I'm sure they pass it along to everyone.
>Don't you think it's naive to think consumers don't wind up paying for credit card fraud, one way or another? The cost may not be borne by all consumers equally (or proportionally), and you might not be able to put your finger on exactly where the cost is covered, but you can bet merchants aren't just eating it.
Craig Berntson
MCSD, Microsoft .Net MVP, Grape City Community Influencer