MultiCards and associated partners, accept credit cards in good faith at the time of an online purchase.
Internet Merchants sometimes have to pay heavy fines for inquiries made by customers to their bankcard companies. These fines are unrefundable to the merchant, whether or not the customer's inquiry was justified. This represents an ongoing potential loss from customers who don't keep track of the use of their own credit cards.

Cardholders: Cardholders should contact the merchant on their bankcard statement in the case of a questionable charge before assuming that the merchant is attempting to charge them incorrectly.
Cardholders should compare the amount of purchases appearing on their statements to purchases that they should remember.
The Internet Merchant accepts the greatest burden of risk from its own customers, and is the most identifiable, most visible participant in any transaction, therefore having no incentive to create fraud.

Internet Merchants: It is the responsibility of any company, as a wise business practice, to keep good business records. This includes the tracking of any information which may avoid a potential loss of funds.

MultiCards: All credit cards that are submitted for use on our associated websites will be subject to an approval/screening process that is designed to identify any prior mis-use, or abuse on the part of a purchasing customer that has done business with us before. We reserve the right to decline any credit card number that has been subject to any prior inquiry (retrieval request), refund (chargeback), or any other claim representing an outstanding loss to MultiCards and its associated partners.

This statement does not indicate that a card is not valid or can not be charged due to lack of credit.