[Knighthawk]

You or whoever used the card is absolutely responsible for the charges. You may be able to get out paying it (or whoever did the charges), but that doesn't make it right.

The person who made the charges is responsible for it, and if you don't trust him enough with the card you need to get his name off it. However, if he doesn't pay, you should.

You said don't be judgemental, but it is very unfair for legitimate cardholders when you charge back charges that were meant to occur. If someone stole your card, that would be very different. Here, someone authorized to use your card authorized charges on it. Your dispute is with him, not the credit card companies of the sites.