Not all countries apply this protection to their credit cards, even if they are issued from visa/master card/Amex. For example, we knew if a Chinese restaurant in Bellevue WA would target Chinese visitors using ICBC AmEx cards because ICBC (a big bank in China) puts the onus on the consumer to prove they didn’t make the charge rather than in the business making the charge. American credit card issuers would never do that and just let you make the charge back.