Originally Posted by
Geezer
It sounds like it depends on the card issuer. Ideally, if you call your credit card company and tell them a transaction on your statement wasn't properly authorized, they would launch an investigation to confirm that you're being truthful (ie. contacting the vendor, matching IPs, etc.) and potentially track down the people committing the fraud. Unfortunately, the assumption most issuers make these days is that a) someone got your credit card information and used it to make a purchase without your authorization or b) are easily convinced that the vendor is trying to scam the cardholder in some way so they reverse the charges. Great if you're a consumer with a legitimate issue caused by fraud carried out in your name. Very harmful to small - medium businesses who watch their margins shrink under chargeback fees and, potentially worse, an increased acquirer discount because all of a sudden they're deemed to be operating a "high risk" business.