Park your chariots as close to a settlement's walls as possible and let them use up all their ammo that way. They will also soak up a lot of missile fire without taking many casualties. Hey, at least they're contributing.
Also try charging the chariots into enemy infantry only when they are facing away from them.
Alternatively, charge right through them ( click on a point some distance behind the enemy troops and run) and have your infantry attack immediately afterwards.
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