Agreed. And I give an unsolicited thumbs-up to Capital One. My card has had fraudulent charges made against it multiple times (somewhere between 5 - 10 now), and they've always taken care of it with just one phone call where I get a capable human on the phone very fast to handle all of it, the entire charge reversed, no fees. They are prompt and professional about a replacement, which gets shipped express, they make helpful suggestions about recurring payment merchants I should probably reach out to based on my purchase history.

(No, I don't work for them or have any real love for banks, but credit where credit is due - pun intended.)