Originally Posted by
garykung
OP - I think differently. So please excuse me for being blunt.
Issuers lose money and resources dealing with fraud, as well as potential class actions. So I don't believe that Chase did not learn a lesson from the last time. Given that it was your 5th time in 4 years and pretty much you charged everything to the cards, I believe that the root of the fraud comes from the merchants you are doing business with.
Although we all speculate, I believe you should start thinking outside the box.
But it is the responsibility of Chase to do what they can to prevent fraud. In the same way that if your ATM card gets compromised you are usually not liable, and it is probably the fault of that lousy ATM you shouldn't have used, but I'm pretty sure ATM companies try to do what they can to prevent it.