"Every time I've reported a fraudulent charge on my debit/credit card the bank has IMMEDIATELY cancelled that card and " they will send a new one out by mail within 2 weeks" which means I am without credit for that long and it's a SUPREME hassle as EVERYTHING is set up to come out of that card: utilities, phone, reoccurring payments, insurance, etc.
I can't IMAGINE how frustrating that would become if I were on the road and suddenly had no CC for gas, emergencies, etc. for up to 2 weeks. Don't your banks cancel the CC in question?"
The very reason we carry two different cards and we each (DW and I) have separate ones that go to same account from our bank. That way if mine gets hacked, stolen or lost we have hers to use.