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I have a bit of a conspiracy theory about this.
From asking friends who have had fraud against them, it seems certain banks tend to have WAY higher levels of fraud. Don't forget it's all insured, so the banks usually don't lose a penny, the insurance underwiters do. It seems that banks who underwrite their own insurance losses don't have anywhere near the fraud compared to those who use third parties. I'm not saying the banks are doing the fraud themselves, but I think some banks give less of shit about security and ID theft when don't lose anything.
American Express have this shot wrapped up - one phonecall and any disputed transaction is removed. Actually, I can tell you as someone who owns a business and merchant processes with Amex, they fuck you if a customer decides they don't want to pay - their entire business practice is all towards to the consumer. I had one clinet that told me she often books hotels, and if anything is even slightly sub par about her stay, she disputes the entire bill and doesn't pay a penny. I'm sure it will catch up with her at some point, and technically the hotel could and probably will sue her, but it just shows you how hardcore amex are.
Even though it's good advice to use you card in repuatble places it still won't protect you.
I have a visa that I only use very occasionally for business travel. I used it in one of London's v.expensive/top resturants and I know the management and staff are friends etc. It was the only transaction I had put on it in 6 months. Two days later, a clone of the card was used in Paris to buy a 10,000 EUR watch. Got it back as it was obvious fraud, but just because it's a reputable establishment doesn't mean shit anymore.
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