There's a guy in Ukraine now who sells this virtual fraud system where you enter cardholder address, at the push of a button it completely changes your IPs, hardware, browser and plugin profile/fingerprint to something random so you can card away Apple.com all day long without worrying about pesky VerO fraud scraping.This is the kind of well organized fraud you will have to go up against and Visa/MC will not help you at all, they'll just cancel your service once too many chargebacks start happening.