If you’ve ever found a fraudulent charge on your credit card the first place you call is the credit card company to report it. Most of are under the impression as credit card customers we’re not liable for any illegitimate charges on our card and will therefore be reimbursed immediately. That has not been the case for a man who claims a more than $80,000 charge on his bank issued Visa was not made by him. The bank argues the charge was made by entering the man’s pin in to the point of sale terminal and therefore is not the bank's fault. The case is ongoing but raises serious questions of the responsibility of credit card customers when it comes to illegitimate charges. Here’s what every credit card user should be doing to protect themselves.