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Step 1:
Suspend there account, they may be trying to use the server to do something bad. Customers who signup with frad credit cards are always up to no good.
Step 2:
Unless you have there signature on file there is nothing you can do about a chargeback. This is one reason why I call all my new customers.
I got a chargeback for the same reason about 6 months ago but it was only like $15 so not bad but not sure how bad in your case.
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