Very strangely, both Ritz-Carlton Visas (myself + spouse) and spouse's CSP were hit with fraudulent charges in the last 3 weeks. One was at an O'Reilly Auto parts store in CA, and the other two were in Brazil. Chase said they were all "in person" transactions, but only contacted me on the O'Reilly charge (I caught the Brazilian ones myself). We were in Europe end of April-early May, prior to these fraud charges, but only used the R-C cards at R-C hotels and did not use the CSP at all. Combined between us, I think we've only seen two other fraud charges over 10+ years, so not sure what the recent high activity of fraud means.