Originally Posted by
la2jax
What would be fraud? Telling the merchant that the card was lost/stolen?
Who are you saying is guilty of fraud? And what is your basis for that? It sounds like you might be saying that the consumer must comply with the merchant agreement.
What would be fraud? Please re-read the paragraph in which I mentioned fraud. It couldn't have been more clear. It's only two posts about this one in the thread. And no, the consumer doesn't have to comply with the retailer agreement, the retailer does. But the consumer also has an agreement with the credit card company, and that agreement
also details how credits are dealt with.