The thing is. Credit cards may be in favor of the customer in the US, or maybe EU (I’ve never had a credit card while living in the EU so I really don’t know) but where I used to live, Brazil, the customer has always the burden of proof that something is wrong. One time my card was “cloned” and I had to go to court to remove the debt from my name. And I’ll never forget the reply that I got over and over from multiple levels of customer service: “we can’t do anything if you don’t provide the receipt of the purchase”