they'd most likely use your name because if my name was john doe and yours is john smith. if i say yes my name is john doe and the card's name is in john smith's name, that would raise questions.


when my parent's had their card used overseas for some fraud, the people ordered like $2000 worth of stuff, so i wouldn't be too mad about a limewire download since your bank should be able to cover it. that's why the bank is doubting your claim because the person used your name.