I just recently had a credit card fraud issue. Thee is no indication the vendor was at fault. It is taking me a period of time to get this fixed. It there is farad, part of the burden falls non you even if you have taken every precaution.
No, I am not really paranoid about credit cards. I have used credit cards for years here and inn other places. Only recently have I had problems. Apparently credit card fraud is a big criminal activity. Limiting your loss is a good idea. But why let a criminal have even $38 of your money.
Some merchants will accept a money order for an item. That can delay deliver for several days. And there still is the risk the money order could get lost or stolen.
Here are typical promises made by big companies in the USA
American Express
If you have an American Express card you are already covered by their consumer protection plan at no extra cost to you. Their Identity Theft Assistance program gives you access to operators around the clock who can take action at once. Unlike other cards where you may be responsible for the first $50 of fraud, American Express has you covered.
Equifax
Along with Trans Union and Experian, Equifax is one of the three credit reporting bureaus that monitor your credit. When you enroll in their ID Patrol plan, Equifax will keep tabs on all three of your credit reports and provide alerts to you in the event key changes are made to your credit. You also gain access to credit repair specialists and have a $1 million theft insurance policy to back you up.
Visa
Similar to American Express, Visa offers a consumer protection plan to cardholders in their network for no extra charge. Cardholders have all of their expenses covered by Visa and have access to a panel of trained volunteers who can help you in the event of identity theft.
Read more: http://www.ehow.com/list_5983143_credit-card-fraud-protection-plans.html#ixzz2bKMhXlpR
As I stated earlier, even if fraud is found, the burden falls on you to do something Never assume the company really wants your best interest. Two days ago i was stone-walled be a very reputable firm, even after I had reported the fraud weeks earlier. It will take a few more days to find out if they will credit me the loss.
Be careful.