I got seriously ripped off last week. The bank called me at 2:30 on a Saturday to ask about three transaction that had just happened on my credit card. Someone managed to duplicate my card (I still had mine in my wallet) and use it to spend about $1100.00 at a tobacco store, then another few hundred at Coles. Total fraud = $1490.

The last trasnaction had occured only 5 minutes before the bank rang me. they cancelled the card on the spot and they have now credited the amount to my account and I have a new card. They don't know how the thieves did it (yet), but I'm really impressed by how quickly the bank responded and fixed the problem... at least from my end.