Credit card fraud

I really can't believe that this will happen to me. I used to teach my students must beware of credit card fraud, do not share your credit card details with anyone. 

This morning, 9ish I received a SMS from Ambank saying that my credit card has been charged 9.11USD. Without delay, I picked up the phone to call Ambank helpline. 

While I was choosing the language, I received the second SMS stated that my card has been charged rm 4 from Expedia Malaysia. When I just about to tell the operator my card details, my card has been charged the third time, RM 3500 for Expedia malaysia again.

I was panicked!  I told the operator to block my card immediately.

However, the operator told me that the amount has been charged to my card, they can't stop the payment now and I can only write the dispute letter for them to investigate.

If the amount is not done by me, I will get the amount reversed. If the amount is done by me then I will be penalized for rm 20. What is the thing that they are saying, if it is done by me, why I want to call to block the card?

The investigation will take around 2 weeks. They want to issue me a replacement card, I really do not have any confidence to use any credit card for now. So I rejected. If their feedback to me is unsatisfied, I will reconsider whether to use Ambank...

This is not using the card to go to any shop to buy goods, this is buying some services like flight, hotel etc, because it is Expedia. I am sure they can trace the person who used my card. 

Unlike if the person go into a shop to buy the product, sign the card and leave, they can't trace and the product is sold, can't trace back.

Praying to God to arrange this credit card fraud matter for me, let the investigations go smoothly and I will sure not pay for that amount that I have not used before.