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This web page creditcard-khailiza82.blogspot.com states the following, "Monday, August 20, 2007." We saw that the webpage said " For merchants, a credit card transaction is often more secure than other forms of payment, such as cheques, because the issuing bank commits to pay the merchant the moment the transaction is verified, whether the consumer pays their bill or not." It also said " The only exception would be the American Express. In some countries, like the Nordic countries. Banks guarantee payment on stolen cards only if an ID card. Wednesday, July 11, 2007."