There's the small claims courts for that, strong consumer protection laws.

Also some banks are offering insurance on trial basis already.

But yeah, I prefer CC on international platforms, or if the cashback is higher than the discount they offer via Pix (5% to 20%).

Lenovo offered me 20% on a Laptop recently through Pix.

With the discount I paid a bit more on broader support, keep your disks, liquid damage protection.

And from someone who lived in Brazil. Small claims court fucking suck. A kafkian nightmare compared to a chargeback.