You report the unauthorized card charges to the credit card company. They credit your account and investigate. You get a new card. It takes a few minutes. That’

You report the unauthorized card charges to the credit card company. They credit your account and investigate. You get a new card. It takes a few minutes. That’s how it works with all credit cards and merchants in the US. It’s not the merchant’s responsibility to investigate misuse or fraud, or to “care for your well-being.”