I've had to deal with a Mastercard fraud department a few times. My card has long been chip and pin, but it still has a magstripe, which gets a skimmed every fe

I've had to deal with a Mastercard fraud department a few times. My card has long been chip and pin, but it still has a magstripe, which gets a skimmed every few years. The usual way it works is this: - I discover something is wrong when my card is declined. I pay with my other credit card instead. - I call the card issuer that evening. Within 5 minutes I'm talking to their fraud department. - They inform me of suspicious transactions (often preemptively declined) and I confirm I did not authorise them. I'm done within 15 minutes. - I use my secondary credit card for a week while they mail me a new one. You just need better bank.