I remember a few years ago seeing that my Amex was about to expire, and wondering when my new card was going to arrive.
Then I got a phone call from American Express. Had my new card arrived? No. Did I live alone? Yes. Did I know
any men with Russian accents? Uh, no...
Yup: somebody had stolen my card and had gone on a shopping spree with it, triggering security alerts. My bill that month was about 50 pages,
interesting charges (all local, curiously), then pages of Credit for Fraudulent Charge. I asked what my liability in the matter was and they said zero: unlike most
other credit cards, American Express cards may only be used by the cardholder ("non-transferrable"), and if the merchants
hadn't verified the identity of somebody who was really unlikely to be named "Laura", that was their problem, not mine.