A while back, I saw a story in the Home Assistant Facebook group about someone's child saying "Hey Google, turn on everything" and it messing things up. I was telling the story to my wife and forgot to replace "Hey Google" with something Google wouldn't pick up on. Oops. It heard my "turn on everything" and chaos ensued. I have some Zigbee alarms that all started sounding. It enabled several different scenes and ran several scripts. All TVs turned on. My Xbox and Nvidia Shield were fighting for control of the TV (there's some issue with HDMI-CEC that I haven't figured out where if both are on, they get stuck in a loop changing the TV input between HDMI2 and HDMI3 about once per second).
Don't do that. "Turn off everything" is bad too. I ~~have~~ used to have my server rack plugged into a smart plug to measure power usage, and "turn off everything" turns that off. I want to figure out how to disable these two voice commands.
The standard window for a chargeback with both Visa and MasterCard is 120 days. Don't let the retailers bully you into thinking otherwise.
Usually just threatening to do a chargeback, without actually doing it, is sufficient to get them to comply. Every chargeback costs the company money (usually around $10 to $50 depending on the bank) and time (dealing with the bank, collecting evidence, etc) even if they win the dispute, so they try to resolve issues without the customer involving the bank.