Not all banks are the same
Over the years I have suffered a few credit card frauds.In every case over R30000 was involved. The first two cases were Nedbank cards. Nedbank’s response was brilliant. After 48 hours they reversed all fraudulent entries and issued me with new cards. Five stars for them.
This time it was my Discovery card. Space will not permit me to recount the entire saga that has dragged on for a month now.
I was overseas and had my card with me.I used it there. The day I returned a number of fraudulent purchases were made using my card details. (As has happened with Nedbank).I reported it to the bank who cancelled my card and issued a new one. They reversed all direct card transactions but after very poor service from their fraud department they refused to reverse R30000 that was paid using the Apple Pay system which was fraudulently linked to my card. I already had the link installed ( so how was it linked twice to the same card?). They told me ( on tape) that I had done nothing wrong but MAYBE I had given somebody an otp number . They cannot tell me who,how,when or why. They will not provide proof. 
I called Apple in the USA who told me that their system was very secure but NOT FOOLPROOF.
I requested a meeting with the CEO of Discovery Bank or an assignee but the credit card division refused to give me contact details. 
I will not pay for the fraudulent transactions and if necessary I will reluctantly go the legal route. 
It’s important for me to stress that I am NOT criticizing the Disccovery group or any other division. In Discovery. 

David Wolpert