No, the fraud was involved in not providing the service she paid for and selling it to someone else instead. I have some experience in this dealing with credit card companies. They can be merciless against merchants in cases like this. The merchant has no loss except some adminsitrative inconvenience because they are negligent regarding fraud prevention.
“No, the fraud was involved in not providing the service she paid for “
That was not the fraud.
I still stand with the credit card not being liable. There was no fraud when she booked the cruise. But you make good points about them leaning on the merchant.
And as we read the thread replies, it worked. Or something did. Carnival did offer the dummy a refund. Replies said she declined it since it was not the full amount. You’re correct; Carnival is allowed administrative fees.