Reversed *****elent credit card transaction in 24h

I woke up yesterday morning to an SMS that said someone had spent R12999 on [URL Removed] using my credit card.<br> <br> I had the card in my possession, so it must have been cloned via a hacked POS terminal or a skimming device without my knowledge.<br> <br> I phoned up the credit card ***** line at 5:38 in the morning and there was actually someone on duty! Michelle Nakene helped me within minutes to identify the transaction, cancelled my card and promptly ordered another one. She gave me a form with instructions as to what to write for the ***** team, which I scanned and emailed that same morning.<br> <br> The money was back in my account when I logged in early this morning.<br> <br> Thank you Michelle!