Perhaps you missed the word "scammer" in my comment? I'm glad you weren't the person deciding on my case. It has nothing to do with the fact that my kid stole my card. The scammer who made the charge was committing text book fraud[1]

[1] http://www.merriam-webster.com/dictionary/fraud

I'd assume in this case the fraud is not getting the minecraft account for advertised price and/or abusing the credit card info afterwards.

Exactly. If I had run the card myself in this case, it would not have changed. The dude took the money and ran, never delivered anything