No only that. I had what i thought legitimate card fraud but the problem was my card wasnt stolen and even worse - the chip was used and transaction was on the

No only that. I had what i thought legitimate card fraud but the problem was my card wasnt stolen and even worse - the chip was used and transaction was on the card. Eventually they got my money back via chargeback process but i found out later it was family-related fraud. Point being for 90 days my score went 10 ponts down and the credit card record was annotaded with message about this questionable chargeback. they could not believe it was true fraud.