[buttster]

I just finished working a temp job for bank of america in their credit card fraud atm diivision and it all depends on the amount of fraud claims over the past year the card holder has had. Also they will go back 6 months but that takes a lot of bull shitting on the card holders part. I saw tons of disputed reoccuring claims and lots were being denied and lots were charged back. I can say that if they get away with it once, very hard to get away with it twice. Especially if its claimed on the same merchant.