感觉没什么希望了，交易争议也失败了……

Thanks for getting back to us.

We thoroughly reviewed your case and the documentation sent for transaction X and X (Openai *Chatgpt Subscr) and unfortunately, we don't have chargeback rights.

It happens because according to the merchant's terms and conditions, you are not promised a refund in case your account is banned. As stated on the merchant's policy, the subscription fees are non-refundable.

When filing a chargeback with Visa, we need to provide evidence on why the transaction is being disputed. Unfortunately, in your case, we don't have enough documentation.

Visa is not able to rule based on instances or issues outside of the chargeback guide — if you can't provide sufficient evidence to prove where the issue lies, we unfortunately won't be able to help you through a chargeback. In this case, we would suggest turning to a legal body or consumer protection.

https://www.gov.uk/consumer-protection-rights