Well, since Visa issues the card, I'd listen to them rather than some random customer who in all likelihood has no clue what they're talking about. Part of being a credit card user is methodically checking your statement every month to ensure that all the charges are really yours. If not, there are procedures in place to challenge them. It is not up to the cashiers at Big Box Retailer #23 to act as your advocate and fraud crusader. The credit card companies screw the merchants at every conceivable opportunity through their exhorbitent fees and unreasonable chargebacks (per BobV's post above). I'm amazed that retailers still accept the cards, though if people weren't allowed to spend themselves into debt, consumer spending in this country would take a freefall.