Well...My timbers are surely shivering...  Yes... I  am old enough (way) to know that if it looks too good to be true...it is...  I contacted Visa and they are handling this as Internet fraud ...which it is... and I won't be charged...  But damn it... this kind of crap really sucks... 

Thanks for your sage advise... and acknowledgement of this as happening not only to me but others..

Okay... Now all I have to do is contact that Nigerian Prince  and collect my millions...

Steve