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First, advise the business/merchant that the transactions involved were fraudulent and encourage the merchant to report the incident to the police. If they don’t call us, you should call your local police department.
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As a general rule, and provided you act with due diligence, no. In most cases, the account holder is not held financially responsible for losses as a result of fraudulent activity. Normally, the business who accepted the fraudulent transaction is the loss victim. However, if you become aware of fraudulent activity or should have been aware of the activity and do not report the fraud to the bank or credit card company within a reasonable period of time, the bank/credit card company may hold you responsible.