Chargebacks here are a little more complex, and usually not what you want to do since it costs vendors money (read: they may refuse to serve you in the future). Instead, you want to report the transaction as fraud (which is different from a chargeback), and the bank will investigate and work with vendors.
So usually a quick call (mine took 5 min) and the transactions are put on hold pending the investigation (mine resolved in 2-3 days). A new card is sent immediately, and if you go to a branch, it can be printed immediately.
Maybe not as smooth as the EU, but still decent. I’ve only had to do that once, each other time the fraud was caught by automated systems before I noticed.
Chargebacks here are a little more complex, and usually not what you want to do since it costs vendors money (read: they may refuse to serve you in the future). Instead, you want to report the transaction as fraud (which is different from a chargeback), and the bank will investigate and work with vendors.
So usually a quick call (mine took 5 min) and the transactions are put on hold pending the investigation (mine resolved in 2-3 days). A new card is sent immediately, and if you go to a branch, it can be printed immediately.
Maybe not as smooth as the EU, but still decent. I’ve only had to do that once, each other time the fraud was caught by automated systems before I noticed.