CREDIT CARD HABIUTY. Willow Xu was reviewing her credit card statement and noticed several charges that didn't look familiar to her. Willow is unsure whether she should "make some noise," or simply pay the bill in full and forget about the unfamiliar charges. If some of these charges aren't hers, is she still liable for the full amount? Is she liable for any part of these charges--even if they're fraudulent? lo1