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Just got a reply back - she says the card was stolen nearly a year ago. I'm scratching my head about this one, surely she would (should) have notified the bank immediately, especially if the card has been used for at LEAST the past 5 months on my site (and probably elsewhere too). If she didn't tell the bank it was stolen then she probably won't be able to recover everything. I doubt they would allow a chargeback from a year ago.
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