Offer your thoughts or opinion on the input financial query or topic using your financial background.

To whom should I report fraud on both of my credit cards?
First thing to do when you notice a credit card fraud is to call the respective banks who issues the credit card and most banks immediately (as far as my experience goes - twice) they will cancel the credit card and issue a new card with different number. Your credit card account will remain the same, no effect on credit score as the account is still active, its just the credit card number is changed. If you are more concerned about Identity Theft, there are two further options you can pursue. Place a Fraud Alert : Ask 1 of the 3 credit reporting companies to put   a fraud alert on your credit report. They must tell the other 2   companies. An initial fraud alert can make it harder for an identity   thief to open more accounts in your name. The alert lasts 90 days but   you can renew it. - as per Federal Trade Commission Credit Freeze : If you’re concerned about identity theft, those reported mega-data breaches, or someone gaining access to your credit   report without your permission, you might consider placing a credit   freeze on your report. - as per Federal Trade Commission