The fraud was reported the day after and STILL it took over TWO MONTHS to give my money back
That sounds like a debit card, and not a credit card. Don't send money to the credit card company for fraudulent transactions. They are liable, not you, other than a few hundred bucks, which most CC companies waive for customers.
Ask five economists and you'll get five different explanations (six if one went to Harvard). -- Edgar R. Fiedler