Simply put:

If something gets fucked up and you used a debit card, you're the one screwed until it is sorted out (if it is sorted out). Also debit disputes can take 8+ weeks I've heard.

If something is screwed up and you used a credit card, then the bank is on the hook until it is sorted out. And typically they'll credit you the amount until the investigation is complete and it is usually complete within 30 days. I've had chargebacks remain credited simply because the other party never responded.

The commenters are saying "bank" but the original article says she disputed with her credit card company so I don't think that's the case here.