And, yeah, in general, CC validation is a complete farce. Depending on how a vendor has set up their payment gateway, sometimes you don't even need a correct CVV or expiration date, much less a correct address...
If you do have a country field, but still do validation according to US rules, then very few of your international customers will ever get through it. Most will just get frustrated after several tries and then leave. By not having a country field in the first place, you're telling these people that they needn't bother, you won't be wasting their time, and then everyone is happy and won't be writing angry blog posts about it.
One time had a customer on the line with us asking why he no longer had access. We explained because he had chargedback the transaction. No, no he did not, he assured us.
We called the bank, and found out that he had asked for a chargeback, but it was for another transaction he had problems with, and wanted it corrected. So here we are, my customer service rep, the customer, and the bank on a 3-way call, and the customer is telling the bank to undo the chargeback and give us the money back, and to chargeback the other transaction. And they wouldn't do it. Oh, they applied the chargeback to the other transaction, but the penalty was still applied to us.
The customer apologized to us later, and wanted to pay again, and was even willing to pay the chargeback fee. He simply paid again the normal price, and we swallowed the cost.
I hate banks.