(a) Summarize Jia Li’s legal rights in this situation.
(b) Discuss the likelihood that Jia Li must pay Visa for any illegal charges to the account.

Jia Li Sun, took her sister-in-law Ah-Iam Johnson out for an expensive lunch. When it came for the time to pay the bill, Jia Li noticed that her Visa credit card was missing, so she paid the bill with her MasterCard. While driving home, Jia Li remembered that she had last used the Visa card about a week earlier. She became concerned that a sales clerk or someone else could have taken it and might be fraudulently charging purchases on her card.