I've noticed my two banks vary wildly in how they respond to this (I'm non-US). Once I was notified that they were replacing my card due to suspected fraud only

I've noticed my two banks vary wildly in how they respond to this (I'm non-US). Once I was notified that they were replacing my card due to suspected fraud only after I called them to ask why my card was being declined everywhere. The other bank disabled my card when placing an order on Doordash while in LA and I got an SMS, a notification from Apple Pay and a phone call almost immediately.