Some of these tactics border on credit card fraud. The attorney general in california, have been directed to take a look at these on line companies, especially that originate from outside the uniter states. Obviously compliance FDIC laws possibly being violated. The internet basically remain out of control, VISA...not stepping up to the plate and allowing a Rouge situation. The clamp need to be tighten down.
That being said, you need to read disclosure carefully involving subscriptions. You almost need to be a lawyer these days, and even with that background, you still get nailed. Just a matter of time they screw the wrong person, and their ability to use visa will be threaten to be taken down...stay tuned.