It’s still a massive pain in the ass to deal with. Last time one of my cards was compromised it was hours in the phone getting the fraud case opened then the b

It’s still a massive pain in the ass to deal with. Last time one of my cards was compromised it was hours in the phone getting the fraud case opened then the better part of a day going through and updating everything I could identify that was relying on that card. That handled the monthly stuff but I still occasionally find out what yearly charge has failed when the account/service gets shut down. The compromised card was cancelled immediately but it took weeks for the new card to get here, which means either I had to transfer everything to a different card which was _supposed_ to be a “never use this” backup card. So now I either go back and spend a day transferring everything back to the original card (but still with the risk that some merchant will have now leaked my backup card…) or, I don’t know, go sign up for another card. Oh, and I very nearly didn’t actually get the charges reversed because apparently that institution only accepts fraud disputes up to something like “date statement was issued + 14 days”. “Yeah I don’t try and avoid car accidents, insurance will cover it!” It’s nice that that’s there as a fallback, but it’s certainly something I’ll try and avoid where I can. Using a more trustworthy intermediary when I’m ordering from random tiny merchants is a really easy and low impact way to reduce my risk and hassle here.