Sorry to hear your story, but is very common. Here is a whole thread with lots of info.

http://www.flyertalk.com/forum/ameri...iscussion.html

I am a business owner also, but I have not had a FR. I carry many cards through, so one would not impact me other than some headace. Its always best to carry multiple cards. Even if you did not have your cards locked up for the FR, if you ever had them froze due to fraud the same thing could happen. Diversify.