I recently had a credit card used on the wrong continent. I called up the card issuer (capital one), said "hey I don't recognize this charge". They issued me a

I recently had a credit card used on the wrong continent. I called up the card issuer (capital one), said "hey I don't recognize this charge". They issued me a new card (via next day air) and refunded the transaction. I dunno if it's an issuer thing or a credit card thing.