> in Europe and places like India, the cardholder is usually liable I suppose it depends on what you mean by "usually" but no, in the EU generally you just go

> in Europe and places like India, the cardholder is usually liable I suppose it depends on what you mean by "usually" but no, in the EU generally you just go to the police station which has a form for declaring credit card fraud and the bank often reimburses you before receiving it. Your replacement card is free on this situation. It is up to the bank to get their money back if they want to bother. I don't know of a situation where you wouldn't get reimbursed by your bank.