> The onus is already on individuals to find fraudulent transactions and report them. If my CC gets a fraudulent charge and I don't see it, and it doesn't trigg

> The onus is already on individuals to find fraudulent transactions and report them. If my CC gets a fraudulent charge and I don't see it, and it doesn't trigger the bank's anti-fraud logic, it will just get paid. Right, but if I find it 60 days later when I balance my registry, then the CC company refunds me the money.