I fell victim to a spear phishing scam via email at work. This person knew details about me and my coworkers and impersonated my boss. They asked for ITunes/Apple gift cards, scratched and pictures emailed of the codes. There was a sense of urgency. They got me 3 times before I realized. I used my own CC and there is nothing the bank can do, charge back/dispute or otherwise since I knowingly purchased and gained possession of the cards. There was nothing that Apple/Itunes could do since they were already redeemed and there was nothing the stores could do since they were third part gift cards and they had already been scratched.