history: I lost my credit card this morning and someone charged 100 dollars on it.  I am so upset. I lost my credit card this morning and someone charged 100 dollars on it. Oh no!  Did you call your bank and file a fraud charge?
current: Yes, after the fact.  I am so upset it happened!
next: At least you stopped it at $100.  I've heard of others that have lost thousands until the bank could recover it for them.