A:	the credit cards company's responsibility.
ʌ WORD_BOUNDARY ð ə WORD_BOUNDARY k ɹ ɛ d ɪ t WORD_BOUNDARY k ɑ ɹ d z WORD_BOUNDARY k ʌ m p ə n i z WORD_BOUNDARY ɹ ɪ s p ɑ n s ə b ɪ l ɪ t i WORD_BOUNDARY