My Discover Card was used in Seattle, while my wife and I were at home in Arizona.
Discover took care of everything, and we’ve had no problems since then.
FWIW, YMMMV.
Ours was hijacked by the Russian mob (out of Baltimore) not too long ago and they managed to take close to 7500 before our bank shut it down and called us.
We’ve set it up with them that they call if there is a purchase over $250 and a withdrawal at a non affiliated ATM higher than $100.
It’s so common place that the state police and the treasury agent pretty much yawned on the phone and the bank had our money back in the account in 48 hrs.