If we all "played the game" it would soon be sorted out!
Get a card that you only use for petrol, and if anything shows up on the statement the bank MUST cover the cost (until they can prove it was not a fraudulent transaction). Then when the "interest free" period is over close the account and go for the next "freebie".
BTW my wife had heer card stolen whilst on a train ...... within 20 minuits of the train stopping they had got their hands on the money without a pin number !