In my experience, Amazon is really good about reversing unauthorized charges. Someone gained access to my Amazon account around Christmas time, and bought a couple of movies (The Girl Next Door and Friends With Benefits iirc), which I didn't notice the charges for on my bank statement until the end of January. Used the help page, had them call me, and they fixed it and refunded the charges in a few minutes. I also had a package get stolen off my porch seconds after the mail carrier dropped it there (I live on a busy street). Went through the help page process, they called me, and they shipped out a replacement the same day. It was a small box, with a new Logitech mouse in it, as my old one was dying after 5-6 years. Amazon has awesome customer service.