You're correct, they aren't responsible, if, it's a proper credit card, the point is the credit card company's are on the hook for these charges and yes they will pass these expenses back to you and me some how.
I've no doubt that this is the beginning of the end for GNU, and it will prove the strength of the larger free software world. The Free Software Foundation has dumped a load of restrictions on us with GPLv3 and told us that restrictions lead to freedom and that it is good for us. That's a little too Bush administration-like for me. In fact I fully expect someone, somewhere, to claim that I "hate freedom" for speaking out about this abysmal license — that would make the irony complete.
Things are not as simple as they seems at first. - Edward Thorp