My Citibank Mastercard was compromised six times over two years. Fortunately their fraud department caught each problem and did not approve the charges but checked with me instead and replaced the card. It was a pain in the neck each time but didn't cost me anything. None of these had anything to do with the island. I suspect it might have had to do with on-line transactions. I did have a problem with fraudulent charges to an ATM card after I tried to use it at a Dutch side ATM. It was resolved by my bank.

Sometimes it is obvious where these phony charges come from but more often than not it is impossible to tell.