How do chargebacks work

So long story short , nephew made a transaction (signed up for free trial and never told me) on my phone and I was charged $90 , I never even knew about this until I was charged 109 bucks on my credit card (Apple combined that subscription with another one I have for some reason). Requested a refund and denied. Appealed and it got denied. I don’t ever ask for refunds so figured this wouldn’t be an issue. The support is basically useless I got “we will take all this information in account” like no bull crap you aren’t you don’t have any power. Their system reviews are just AI not even real people. So if I charge back it was paid via Apple Card, will I get my Apple account and card banned ? Or since it’s first time I should be good?