So I got a txt from Kiwibank on a Wednesday evening to call them re Platinum Mastercard.

1. By the time I saw the txt (>9pm) apparently the call centre is closed and I have to wait till the next day. - is this normal for other banks? I thought when I was with BNZ it was 24hrs, but that was a couple of years ago

2. They picked up a fraud but not until 3 transactions totalling 5k was processed already. By some really dodgy merchant names - I guess dodgy merchant names is not part of computer algorithms. So you have to fill out a form, to report the fraud, email, snail mail or fax it through, and wait 14 working days. Which probably means 1 month in this time of the year before I know if I'll get my money back???

3. Question was - where did it come from - it is a card that is only saved in secure merchant systems' servers, and never used in one off transactions, never pushed into any ATMs. My suspicion immediately goes to Aliexpress, as it is saved there, and just 24 hrs earlier I got 2 refunds processed by Aliexpress. Anyone knows whether this is a valid suspicion?

4. And the icing on the Kiwibank cake, I was told I get 5 free telephone calls to them a month, and then it's going to cost! 

So thought I'd post this?