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here's the correct answer, fletch.
banks will allow you to file a chargeback no matter the amount.
however, the costs of doing a chargeback (for the bank) average out to about $25 per chargeback (including employee salary, paperwork, phone bills, etc).
so when you call to dispute a $10 charge, the back will simply write it off and issue a credit from their pockets, rather than waste money and resources going through the entire chargeback process.
however, if the charge is recurring or you have a suspicious history of unrecognized amounts under $25, the bank will go through the entire chargeback process.
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