Ah! I see. Thankfully it's the norm here in Australia that the card issuer is mostly responsible for card fraud and they are decently vigilant about it (me being in the reference class of "buys things online", I have twice been called by my bank to inform me that my card has been blocked due to suspicious charges which were reversed upon me confirming I did not make those purchases). Judging from my parents' experience with recouping credit fraud, the procedure is exactly the same. Thanks for taking the time to explain.