✔ 最佳答案
You needed to call your credit card company (bank) and report the fraudulent charges. They will do the investigation, refund the charges and you are not liable for the charges, of course.
It is useless to call the merchants. The charges were done online on their automated websites and the card information was most likely taken when you swiped your card at a compromised terminal. This could have been anywhere... from a gas station to your local grocery store.
Here is how it works: Criminal installs their capture device at an unattended terminal (breaks into gas pump at night, manages to get it done at the check out lane that is hardly ever used in the grocery store, etc.) You pay at this terminal as usual and nobody is the wiser until they "harvest" the capture device and use the information and load it onto a gift card. Now this card is then sold to another set of criminals or they don't even bother and just use your card number and PIN that was copied while you used the compromised terminal.
The merchants don't know who it was that used the card and even if you should find out... you are better off not knowing because these are hard core criminals - usually gangs - that won't hesitate to get violent.
Never put your card into a gas pump. PERIOD... Go inside and prepay with the cashier. The inside terminal is protected by a firewall and under constant "surveillance" by the cashier. It is impossible for a criminal to get into that one without being questioned by the cashier.
At the grocery store... Always use the "busy" isle. Stay away from the lane that is at the very end and is only ever opened when a line forms. Those are the lanes that do not have a cashier at their post all the time and can be overlooked by the employees.... which gives a crook the few minutes it takes to break into the terminal and install their device.
One more thing... don't feel sorry for the banks... they don't lose a penny. The merchant is the one that will get the charge back. So feel sorry for the merchant that lost the money and the merchandise.