@John-Paul *****
Btw, telling a merchant you may challenge the charge usually gets you a refund. Because that hurts there score with the Credit Card companies (I have only had this work in the USA to be honest) And it is also a big reason many Asian businesses don't take credit cards. Sometimes they get dinged so much they cannot take credit cards, or they don't like to give that power to the customer.
Most of the time, they don't like to pay the fees or customers don't like it if the merchant charges them.
Credit Card transaction fees, for small businesses, in Asia are pretty rediculous compared to the West. Probably a lot of fraud.