MY PHONE VIBRATES INCESSANTLY whenever a minor charge of one dollar is made against my credit card. Some online merchants make that charge when I sign up for a subscription service. Fraudsters also make that kind of charge against credit cardss they have stolen. My phone vibrates because AIB's Fraud Squad rings me straight away after being told of a one dollar charge. I called back to AIB one time and asked how could I decline to pay the charge. Things got ropy. I was told that if I alleged a fraudulent transaction and a later investigation showed I had actually enrolled in a service, I could be added to a blacklist used by the subscription provider. Blacklists always complicate future online purchases. A lot of merchants share information from their own blacklists. AIB basically told me that if I deny a purchase that I have made--even a virtual purchase like a music subscription--I will be investigated and possibly subjected to legal proceedings. At the very minimum, my credit rating can be affected by false claims of fraud.