Pilot flying j issue

I have one small limit credit card, I use it mainly for gas and groceries as I get triple reward points on those items and just pay it off every 2 weeks. I got into trouble with CCs in my 20s so now I just stick to this one card, and cash/debit card otherwise. So, a $500 hold would have really sucked for me. Before Christmas, someone used the card to purchase $200 worth of makeup at Sephora and had it shipped to Canada. My credit union wouldn't reverse the charges until I contested them with the merchant because I have purchased things at Sephora before with that card. Well, the merchant required me to wait 10 business days to look at the charges, and then it was radio silence. After 3 weeks, I was finally able to get my credit union to reverse the charges. It was a complete pain not because of the money, that was just inconvenient, but because I had to spend a lot of time on hold on the phone with the merchant trying to get the money refunded, plus it cut into my grocery/gas budget since I couldn't use that card for that. So, I don't fault anybody who doesn't want to put themselves at risk of fraud.

Anyway, sorry for the story, just wanted to give an example of someone who uses a low limit card.