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I've been the victim of a couple forms of fraud (fraudulent charges in TX, Macy's CC opened in my wife's name) and the CC companies bent over backwards to accommodate us. No hesitation that the charges would be reversed, holds placed on the account, and new cards sent.

That and fraud detection is getting better. I went home to visit my parents (2 hours away), got gas, then exchanged USD for €300. That triggered their algorithms (as well it should have), and I got a text about 10s after I swiped my card.




That's interesting that my mom has had the exact opposite experience with getting their identity stolen and fraudulent cards opened in their name.




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