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I'm on the other side of this as a internet merchant. I spend a hour this morning on a dispute. Earlier this week I won 8 Ebay disputes. Yes it's a major issue on both sides.
First determine the nature of the fraud. Find out if the transaction had a CVV2 code used. Also (this may be hard to get) find out the IP address of the fraud charge.
If there is no CVV2 code and the IP code verifies over seas. Think about changing your bank.
Here are my tips. Most banks can set a spending limit that will freeze the transaction until you reply to a email or a text.
Use apple pay for local dining to reduce card duplication. Never allow card out of sight.
When shopping on line most reputable companies will have a check out that uses stripe or similar gateway that will require a text to complete transaction. PayPal tends to be very secure IMO as an alternative.
Good luck it's ugly out there.
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