> who are you (as a random online service) to assume you can act as my big brother? They are not trying to protect you. As a card holder you would not be damag

> who are you (as a random online service) to assume you can act as my big brother? They are not trying to protect you. As a card holder you would not be damaged by fraudulant purchases apart from the inconvenience of reporting them. They are protecting themselves because if that transaction is later found to be fraudulant then they will have to return the funds and will likely be unable to recover the product they shipped or other costs incurred.