There are time limits for disputes. Varies by MasterCard, Visa, AMEX.

For example, this is MC

4855 - Goods or Services Not Provided The chargeback time limit is calculated based on one of the following:
120 calendar days after the Central Site Business Date when goods or services were provided
120 calendar days after the latest anticipated delivery date when the provision of goods or services was delayed
120 calendar days after the cardholder’s realization that interrupted services have ceased, but not to exceed 540 calendar days of the Central Site Business Date