Comment by fragmede
18 hours ago
Your bank's fraud department and your credit card's fraud department are different teams and because credit card fraud is a much more well known problem, that department is better and more quickly able to deal with the problem. In my world view, anyway.
I don't doubt that that's the case in many banks, and there are probably also huge differences across banks, just like with other aspects of customer support.
The takeaway for me would be "don't bank with a customer-hostile bank", though, not "hope that the credit card department of your bank is better than the average of the bank".