I've spoken with the companies involved, and they are reversing the charges, and the bank is rush shipping me a new card (ugh... now I have to change everything I have on auto-pay.)
However, I need to know how to avoid having this happen again with the new card. I've only gone to one new place in the past two weeks, but that is the one and only shop in the area that caries gluten-free flour, pasta, bread and all that jazz. So I'm kind of stuck shopping there. And while I know it might not have happened there, I've not had this problem in the three years I've lived here and gone to all the other places I shop/visit the doctor/pay the hospital, etc.
So... what to do? Do I start looking for another store, or just hope it doesn't happen again?