A chargeback can quickly damage Meta's trust in an ad account and may be difficult to reverse. Although contacting the bank can seem like the fastest response to an unfamiliar charge, it can create a much larger account problem. As Rentacc's breakdown of Facebook's trust score explains, disputing an advertising charge through the card provider instead of resolving it with Meta can lead to an account ban. Meta may treat the chargeback as evidence that the account is not a reliable payer, even when the advertiser believes the original charge was incorrect. The consequences may extend beyond the account where the dispute occurred. If several ad accounts are held in the same Business Manager, enforcement against one asset can place the others under additional scrutiny. This means a billing dispute involving one campaign can put unrelated campaigns at risk. The chance of recovering an account also depends on the reason for the restriction. A chargeback or a policy violation involving prohibited content is generally harder to appeal than a technical billing issue such as an address mismatch. If a charge appears incorrect, contact Meta's billing support first and keep a record of the case, invoices, and payment details. Give Meta a reasonable opportunity to investigate before asking the bank to reverse the payment. A chargeback may still be necessary in some situations, but it should be treated as a final option because of its possible effect on the advertising account. bm2500 documents several recovery cases that show how the process can unfold.