Don't do chargebacks.
You received the product. Even if you think you were misled, that's something you need to work out with the retailer. A chargeback is you stating that you never received the product, not that you were dissatisfied. Using it because you can't get a refund is a form of credit card fraud.
Don't take that as supporting Bungie in this, but it's potentially gonna do you way more harm than just eating the loss.