What I learned from Fraud on CC

Earlier Post

What I did right:

• I check my CC balances every day and keep an eye out for anything suspicious
  
• Because both my wife and I use common credit cards, we talk about our expenditures and know what each are spending (we have a weekly financial meeting every Tuesday night (about 15-20 min) to review all finances
  
• We use Mint to aggregate all spending in one place. Mint is a great service and I highly recommend it. As a matter of fact, it was on Mint that I first saw the fraud
  
• I called my CC provider immediately when I had suspicious activity. I also called the restaurant where I had last used the card (spoke to the manager there)
  
• Later in the day when I checked the Chase CC site directly and saw additional fraudulent activity, I called Chase and canceled the card (its replacement is to arrive today)
  
• I followed up yesterday with a call to the Chase fraud department
  

What I could have done better:

• I immediately shredded the card Monday night. This turned out to be a minor mistake as when you call Chase they want the CC # or at least the last 4 digits. Additionally the hot line number for the card was on the back and I had a hard time finding the correct number at Chase to call
  
• When I called Chase and had the phone menu system, I was unable to get to a real person without the card #. Ultimately I was able to get the last four digits of the card # from our WF bill pay system