I got a text from my bank yesterday informing me that my wife's debit card had been used for a fraudulent charge - we've confirmed that this text message was valid, and informed the credit union about the fraud, but now my wife's card is on hold, and we're having to rely on ATM withdrawals until they issue her a new one.
This is not an isolated incident - three times at three different locations within the last year, my wife's card has been subject to fraudulent charges against us. While we live in a metropolitan area, and she does make trips to major shopping locations, this does not seem like an average or even acceptable number of fraud-events, and while our credit union has been very accommodating and reasonable in helping us resolve these incidents with no charge to us, it has gotten very annoying, and we want it to stop.
What steps can we take, and what steps could we ask the credit union to take, in order to ensure that we stop getting fraudulent charges placed on our card?
Keep in mind - these are all transactions that took place at brick-and-mortar stores, and we have not been exposing our card information online.