What she said ^^^^^^^^
There are some who argue (and I agree they have a point) that the card number itself could be considered an access device and therefore you're ok witholding the $50.00. However, regardless of who wins that arguement, VISA/MasterCard Zero Liability trumps the $50.00 liability of Reg E and you're stuck reimbursing the customer for the full amount anyway if you conclude the transactions are truly unauthorized.
CULady. thanks for attending and I'm glad to hear that you gained some new insights.
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