It would seem to me, (the un-automated one) that if the credit card bills were checked each month for erroneous charges by the company or by a theif, it would have been discovered much earlier.  My wife takes care of that now, but without a review, one could end up being taken for quite a ride.  We don't have a Chase Card, but it can happen with any card issuer, one has to take their own financial health in their own hands.