David, I don't know what country you live in, but in the U.S., the credit card companies can reverse a charge, which means they get the money back from the vendor, within some specified period, for good reason. The procedures and standards will vary by card company. American Express allows you to contest a charge as incorrect, fraudulent, etc., and they will give you a temporary credit automatically; this becomes permanent if the vendor doesn't justify the charge, so it shifts the burden of proof to the vendor. I haven't contested a charge for fraud or pirated software, but I have challenged charges for "discount cards" that I never ordered or received, for some unknown alleged purchase from TimesofIndia.com (which I have never visited), for an unordered software subscription from RealNetworks, etc. In each case, I was immediately credited, and I am a very satisfied AmEx customer as a result. Check with your credit card company to see what its policies are.