Carolena
Guru
Our cards have been compromised several times over the years - more when I used to travel a lot for work (and eat out most meals). Every time, the charges were reversed and a new card overnighted to me wherever I was located at the time. I caught most of the instances, as I check my account online several times a week, but before being able to check online, I wouldn't know until the statement arrived. Once, the company contacted me. The annoying thing is when your card gets flagged as you are making a purchase. That happened once at the grocery store because the checkout person didn't think the charge went through and tried to do it again, causing a flag for a duplicate charge. One reason to have at least two cards on you (was also embarrassing being told for the first time in my life my card was being declined).
Most recently, we had a couple fraudulent charges on the card and so I called the company. As always, they reversed the charges then sent a new card. A few days later, I got a shipping notification from one of the companies tied to the fraudulent charges. A few days after that, a box showed up at our house with a pair of expensive flipflops that we didn't order. I kept the credit card company updated as to all of this. They told us to just keep the item and don't worry about the charge. And the most ironic part of this is that I prosecute fraud cases in my day job!
Most recently, we had a couple fraudulent charges on the card and so I called the company. As always, they reversed the charges then sent a new card. A few days later, I got a shipping notification from one of the companies tied to the fraudulent charges. A few days after that, a box showed up at our house with a pair of expensive flipflops that we didn't order. I kept the credit card company updated as to all of this. They told us to just keep the item and don't worry about the charge. And the most ironic part of this is that I prosecute fraud cases in my day job!