Product: Credit card or prepaid card

Note : The previous page 's question, " Which best describes your problem? '' lacked a button with a clear response for me to select, but I did my best. 
In the last half of XXXX of XXXX, I became a victim of a mystery shopper job scam, and made purchases on two of my credit cards that I was advised I would be reimbursed for ; the first purchase was made on XX/XX/XXXX. Per this individual, I shipped out the merchandise accordingly. My " assignment '' afterward was to submit a review of the service I experienced at the merchant store. The individual and company I " worked for '' were spoofs or frauds of legitimate ones. It was clear within a couple of weeks that things were very wrong, and as soon as I was confident of this, on XX/XX/XXXX, I began contacting my card companies and trying to rectify my situation. The scammer had arranged for a cashier 's check to be sent to me for my services, which turned out to be altered, according to my bank, which was the final catalyst for my suspicion of trouble. On XX/XX/XXXX, I spoke with local police, who advised me to block the scammer, which I did. I also was able to recover merchandise on XX/XX/XXXX, saving more loss ( there were XXXX, followed by gift cards, involved ). A very nice woman with Citibank High Risk  spoke with me on XX/XX/XXXX ( XXXX ), who understood my long-standing account and good history ; I made her aware of merchandise that didn't make it to a destination that would be coming back to me, which pleased her and said would help since it would bring me back under my credit limit ( because the scammer 's reimbursements were being returned ). She advised me to freeze my credit and have my phone and computer checked for malware, which I did do ; I never got to deal with her after that time. Both card companies have been investigating my case ; I have been diligent in providing information requested and needed. Today, XXXX XXXX, XXXX, Citibank informed me they have finished their investigation, and decided I am responsible for all purchases, and all fines and interest while my balance has been holding in a conditional credit. I have kept every individual piece of information that can help show what happened to me. I have reported my case to my local police, state AG, FBI, FTC, XXXX, USPS Inspectors ( because I used them for shipping ), and XXXX ( because the original job alert on XX/XX/XXXX came from a contact there whose account was compromised ). With Citibank, the subject of this issue, I'm looking at at least {$8600.00} total, with unknown fees and interest to be determined ; this amount is for charges I made ( while thinking I was doing legitimate work and expecting legitimate reimbursement ) in XXXX of XXXX ( XX/XX/XXXX and XXXX to be exact ). Additionally, I have had account with Citibank since XXXX, have exceptional credit, had all of my credit paid off with nothing due, and haven't had payment issues or late payments ; nothing bad and an excellent customer until this happened, and I wish this could have been taken into account when Citibank closed my account on XX/XX/XXXX, and referenced " abuse of credit '' as a reason ( I have since been able to have an agent re-annotate this and reference my having been involved in a scam ).