[mrweasel]

One of the points of 3D Secure is that it shifts the responsibility from the sells to the card company or bank, not necessarily the customer. So I don't believe the bank has much incentive to do a chargeback, as they will be the ones covering it.

Also I don't believe chargeback on a 3D Secured transaction doesn't count as a strike towards the seller, not to sure about that one though. It would seem reasonable not to count it, seeing as the seller was in good faith, and the card company claims to have verified the buyer... but the rules of online credit card payment are anything but fair.