We have had to replace three cards over the years for fraud. One in Elmira NY for purchases at a Tractor supply, one at Portland Oregon for some gamer stuff from walmart, and the last I don't remember.
Story is, that we tried to get the card owners to be aggressive in prosecuting the CC fraud but they didn't seem interested.
The walmart sale was easy to track in Portland. I had a shipping address and a proposed date of delivery to a business in a strip mall as displayed on google earth.
Called the Portland Police dept and was told it wasn't big enough fish for them to worry about.
We didn't lose any money as the CC company covered the losses but that isn't the point. They should be proactive going after these folks and aren't.
That just makes them more bold knowing they can make any number of attempts at fraud and nobody will come after them.
You were lucky. Somebody did that to me on Dish Network. Dish said that they didn't care if I claimed that I didn't do it. I had to pay fraudulent charges. Then they cut me off from credit card payments. I had to go to Walmart to pay my Dish bill. After a few months they let me autopay with a new card. However, I had to pay for $550 of stuff I didn't oder or receive.