Darren --
You're no doubt correct. I only had this happen one time - and the time frame for disputing the purchase might have elapsed. I can't even think of what the dispute was now.. but I'll NEVER forget the Visa person telling me I can't dispute "whatever" because I'd paid my bill in full. I can't tell you how taken aback I was at that.
It's the same as when my buddy (owns a mortgage company) told me that people that make payments have a higher credit score than people that pay cash. Or even than people that charge but pay off the charge each month. That astounds me...
Anyway - it's all a good discussion! And as usual I usually learn something!
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