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I have used AMEX since the last 9 years, precisely for things like these. They are REALLY good at processing disputes and chargebacks, and in the last 9 years, there has never been a time when I 'lost' a claim against such fraudulent charges (I've had around 5 such claims).

On the other hand, both Visa and Mastercard are pretty much useless to 'protect' you against charges like these.

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