[kbs666]

In the US banks are required to refund fraudulent charges. That's the law. However they can dispute and investigate charges to confirm whether they are fraudulent and that can take a while. Chase took 8 months to confirm some charges on my card were indeed fraudulent and return my money. The letter from a lawyer may or may not have spurred them along.

When making an online purchase try to stick to vendors you trust and verify that their security certificates are valid. Generally speaking trustworthy online vendors will have done their due diligence and will do things in the accepted standard manner.