After years of avoiding email rip-offs and bogus website offerings, I was dazzled by a ridiculously low price, ordered Adobe software from what turns out to be a fake website and provided them with my credit card number. I've already called the bank, who says there's nothing they can do until the transaction comes in but according to the "company", the transaction has been completed.
What more can I do I?? They have my credit card number!!
Let's go back to the transaction... you got an email offer, clicked on a link, purchased Adobe software via credit card, but there's no software, right? I guess I'm trying to figure out the "turns out to be a fake website" part.
You don't need to worry about paying for any charges they make against your account. You've already notified the bank that you have a bogus transaction and you're concerned about future improper usage. You're in the clear financially.
You can cancel the account but the bank can refuse to give you a new one. Let them be the ones who want to cancel it, then they'll send you a new card with a new # by overnight mail and turn the incident over to their fraud department. If you cancel it, it can affect your credit rating. If they cancel it, it won't.
I'd be more concerned about what they can do with a cc # other than run up charges against it. I'm not sure that someone can link your cc# to other personal information but I'm not sure they can't either.
Again, don't worry about fraudulent use of your card. It's already reported. It may be a hassle to get a new # if you have automated payments set up against the old one but that's all you'll have to do (she says from having to go through this twice).
The real question is what other personal info they can avail themselves of from your card. I really don't have any info on that.