Oh honey, how stressful for you. FWIW I'm with ANZ and have had a couple of fraudulent transactions on my credit card account in the past. The first was a car park chain that charged me again for parking there 6 months later. I had to fill in a form for ANZ and they sorted it out, it did take about 30 days though. The second time they picked up that my card was being used for online gambling and called me (the Falcon at work LOL). They canceled my card straight away and I had to fill in the form, they had a new card to me within a couple of days and the money credited back to my account within a week or so. So hopefully, it will be worked out quickly for you, in my experience ANZ is really good with this sort of stuff