That's not what they said at all though. Have you never been traveling and had your CC declined and your bank immediately calls you to verify the purchase? Cred

That's not what they said at all though. Have you never been traveling and had your CC declined and your bank immediately calls you to verify the purchase? Credit cards do have checks in place to immediately flag them as fraudulent. This is not related to bitcoins and they never said it was. On top of that, if you use a stolen credit card to buy a steam game and the original owner files a chargeback, your entire steam account gets banned. So yes it's extremely relevant here. If instead you buy BTC on an exchange and then spend those BTC on steam, it's less likely to be flagged as fraud (at the time) because the BTC is purchased from an American website. Then you spend the BTC on steam. Then once the credit card is reported as stolen and a chargeback filed, it's the crypto exchange who gets hit. The chargeback is never associated with Steam and you can buy Steam games from a lower-priced market without the CC company ever being aware.