cards can’t fix most of this. That’s because so much business today occurs over the Internet or via phone where no card is present. And fraudsters can get your card information in many other ways. But fraudsters do not only steal and use the credit card information of consumers; they also pose as complaining consumers to fraudulently get out of paying merchants for purchases made on a credit card. Often these frauds occur due to identity theft or bogus online offers for products or services that aren’t delivered or aren’t as advertised. Another common fraud is “free trials” that turn out not to be free and become a nightmare of recurring charges after consumers unwittingly agree to a monthly charge for a membership to receive a product they don’t want each month. Such scams entrap millions of consumers, and often law enforcement can do little, since there are so many fraudsters operating, many of them overseas. However, if consumers recognize and respond to the fraud in time, they can go to their bank, claim fraud, and get their charges reversed, usually with no dispute raised by the fraudsters, who are on to the next victim.

 在这本书中，卡片不能解决大部分问题。这是因为现在有太多的生意是通过互联网或电话进行的，而这些地方没有信用卡。欺诈者可以通过许多其他方式获取您的信用卡信息。但是，欺诈者不仅窃取和使用消费者的信用卡信息；他们还假装抱怨消费者欺诈性地从向商家支付的信用卡消费中退出。这些欺诈通常是由于身份盗用或虚假的在线产品或服务报价而发生的，而这些产品或服务并没有提供或不像广告所宣传的那样。另一种常见的欺诈行为是“免费试用”，在消费者不知情的情况下同意会员每月收取一笔不想要的产品后，这种“免费试用”结果并不免费，并成为重复收费的噩梦。这样的骗局诱骗了数以百万计的消费者，而执法部门往往无能为力，因为有太多的欺诈者在运作，其中许多是在海外。然而，如果消费者及时发现并回应了欺诈行为，他们就可以去银行索赔欺诈，并要求撤销指控，通常欺诈者不会提出任何争议，他们会去找下一个受害者。