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I've had the same problem with citibank. They overnighted me a card. There was a fraudulent charge in NJ while I was in AZ (charging stuff before and after on the same day). They handled it and I appreciated it and how they were proactive.
The problem with it being through citi, at least from my understanding, is that funds come directly from your account versus actual credit. So therefore, you do take the chance of a full-blown assfucking.
I use Amex at places I don't trust, bars if I'm making a tab, etc. I trust that Amex will turn around and jam a serrated fork up any retailers ass who tries to fuck with me. They give me the warm and fuzzies. I've been fucked in the past by Citi on a purchase where the vendor never delivered and they told me I was SOL. I guess it would have been different if it were "fraudulent" and not made by me, but they offered me no buyer protection.
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