That's if the cardholder discovers the charge and if it hasn't already caused any problems (such as leading to bounced checks or inability to make an important payment). Your language is much to strong, especially since is wrong.
When the credit card is a check card (directly debits a checking account), and the fraudulent purchases leave insufficient funds to clear your outstanding checks.
If you have overdraft protection that goes to a card, and the card hits its limit, you can bounce a check.