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It seems that you were never involved with recovering your money once an unapproved debit took place with stolen credit card references. It does not matter if you are insured or not, it's not straightforward and causes major trouble to get back your property.

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5 times. Each time the bank called me, and told me they were sending a new card. (Once was a false positive).

New card arrived within 3 days from old card being stopped. Money was reimbursed the same day it was taken.

The false positive was when I was traveling, and it was a minor hassle (as I had multiple credit cards).

I take it from the responses from people, my experience isn't typical.

Well you seem to be one of the lucky ones! What's your bank ?

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