I have had 2 fraud issues with two chase cards in the last year, both cards were in my drawer not even in wallet, chase contacted meabout the fraud within 1 hour of the charges, reversed all the charges, issued me new cards and had them overnighted. no hassel for me
on a side note my wife did have citi suspect fraud on one of her cards due ot over use and they temporarly shut down her card. she called the number on back of card and confirmed she was the one charging like a madwoman and they unfroze the account, come to think of it i wish they would do that more often i might not have as many miles but i would have more money in the bank.