Same thing happened to me recently. I noticed a $1 charge on my card. I called the cc company and they acted like it was no big deal Said they didn't need to shut down my card. A week later another $1 test charge followed immediately by about $2K in charges. I called the cc company again, then they decide to shut down the card. I wasn't out anything, but why the hell did I have to be responsible for watching my account after I already alerted them.
They issued me a new card and since I was so quick to call fraud, I didn't have to deal with anything other waiting on a new card, which took 2 weeks to get here.
Gotta keep checking your online acct. everyday.