Credit Card Fraud Warning

We've had another fraudulent charge on a credit card. Who is at fault and who has pathetic customer service?

Metro PCS allowed this fraudulent charge. Evidently they are a cellular service provider.

CitiBank has had terrible customer service from the get-go. They called us at least once a week since we got the card, trying to sell us insurance or additional services or whatever the deal of the week was. When you call about your account, they give the hard sell on that same junk. When we called about this fraudulent charge, they said we had to figure it out with the merchant ourselves. Other credit card companies have a fraud department that takes care of it, and immediately remove it from your account.

Now that I'm looking for a new card and reviewing the best-rated ones in Consumer Reports (Oct '07), I see that CitiBank is rated pretty far down the list. So are Chase and Capital One, just FYI. Best rated--- USAA, Credit Unions, AmEx and Discover. Discover has awesome customer service. Unfortunately, not everyone takes that card, so we always have a backup Visa or Mastercard.