Credit card companies don't give a fuck about fraud?

[progree]

5. I have two credit cards, one is a "wild card", and the other one is for recurring charges

They are both Chase Visa cards. I learned the hard way when I had a card with a lot of recurring charges closed due to a fraudulent charge, and then I had to painstakingly resume the recurring billing -- with about 10 different entities -- on the new card, a process that took several hours given flaky websites (I had to go to each biller's website, e.g. the electric company, and change the card info. And then on to the gas company's website. And on and on - each different and each with their own way of doing things and eccentricities)

Anyway that new card is the "recurring charges" card that I rarely use for anything else (except accidentally).

The other card is a "Wild" card which I use at restaurants and stores, online purchases, and other non-regularly-recurring situations. So that card number is more likely to get hit with a fraudulent charge. If it does, well, what happens happens. At least I don't have to establish recurring billing on the new card.