On: Chipotle Reports Findings from Investigation of Pa...

[icelancer]

No, but it has been in the past. I'm speaking theoretically in general when people are wronged by things like this.

[kingnothing → icelancer]

Your credit card company should offer a $0 liability policy for fraudulent charges. If not, switch card companies. Then it's their problem not yours.

[icelancer → kingnothing]

Yes, they do. I still have to take time out of my day to audit the cards, challenge the payments, and then cancel the cards and get new ones, and update billpay everywhere else.

How hard is this to understand?

[ryanlol → kingnothing]

Yes, and if you're with a decent company chances are they'll automatically send you a new card if you've been affected.

[pacaro → ryanlol]

Leaving you without a card for 7-10 business days.

[ryanlol → pacaro]

No, this generally doesn't involve immediately cancelling your existing card, sending you a new card and canceling the old one when it arrives is a much smoother experience.

Who doesn't ship next day anyway?

[kevin_thibedeau → ryanlol]

Chase didn't bother sending me my chip-and-pin card before canceling my old one. Took a week to get the replacement.

Pissed me off to hell since the previous card was less than a year old and they should have just issued me the chipped card then.

[pacaro → ryanlol]

Me experience is that at the first evidence of fraud or compromise the card is cancelled. The replacement arrives 7-10 days later. I'm sure it depends on the issuer, but banks in the US tend to a lowest common denominator customer experience.

[literallycancer → kingnothing]

Still requires you to notice a weird spend and file the complaint/whatever process they have.