"This agreement and your account will be governed by federal law, as well as the law of Delaware, and will apply no matter where you live or use this account"
What they don't say is that your recourse is almost nil if the dispute occurs out of the country. The US courts can probably refuse to hear a civil case if Visa and/or the card issuing bank assert that the actual "crime" occurred outside of their jurisdiction, even though the cardmember agreement holds you to US and Delaware laws no matter where you used the card.
MemberSince99 wrote:I think his point is you are told how "protected" you are from fraud. But when it gets into gray areas like this, he's right, they may well simply look at protecting themselves from the cost involved here.
Granted it's difficult for Chase to establish the facts of the case. But haven't they ever heard the term "Shanghai'd" before?