My story is short but to the point: USAA recognized that my credit card number had been stolen and used before I even realized there were bogus charges on my card. They called me, removed the fraudulent charges, and issued me a new card immediately and without any hassle. I don't know what I would've done if USAA hadn't been there to help me - I've heard too many horror stories with other banks.
Thanks for your help and great customer service, USAA.