According to this http://www.camara.cl/prensa/noticias_detalle.aspx?prmid=55268 http://www.camara.cl/prensa/noticias_detalle.aspx?prmid=5526... the client is st

According to this http://www.camara.cl/prensa/noticias_detalle.aspx?prmid=55268 http://www.camara.cl/prensa/noticias_detalle.aspx?prmid=5526... the client is still responsible in the case of credit card cloning fraud and they are introducing a law to change this, not sure about other types of fraud. I saw on TVN some months ago the news of a couple doing this credit card fraud and the bank was returning the money, perhaps due to the public outcry.