They are not thinking. There is no thought or consideration. The people you are talking are retarded 3 worlders in massive call centers in India and other similar countries. You can see this obviously by the broken English replies you keep getting. In these kind of scenarios don't waste your time, just dispute the charge as fraud immediately. You'll win. If you don't, tell chase you are canceling all your accounts with them if they don't refund it because it's fraud and totally unauthorized.