I know its a huge pain to have your D/C go down. I will try to give some info.
*Reordering a card takes 10-14 days, they have to be ordered, information uploaded, account(s) tied to, imprinted, and and mailed. The inprinting with your name maybe done by a 3rd party so they're "ordered".
*Changing the pin does not change the card tied to an account only your access.
*I've seen transactions from a compromised cards # show up 2+ years later with transactions from Bangkok in the thousands. It took minutes and the electronic fraud system stopped it, but there was a lot of damage done in a short time.
*It is not wise to use it online in my opinion, if you give someone that info you authorize them to do what ever they want to your checking/savings account. They can deny your dispute saying you authorized them and theres laws that protect them.
*You can have more than one D/card tied to an account. If you carry more than one you won't be caught without.
*Most banks have some sort of limit to help the fraud/loss if a card is hit.
*You can have a debit card and an ATM card tied to the same account. That way if your debit card goes down you can still go to an ATM and get some cash.
*I myself do not travel without ATM, debit card,and CC on me. Always have back up so you don't get stuck.
*There are so many things that can happen, lines go down, fraud, weather, machines won't read, plain old where your trying to shop don't support your d/c, hackers, theft from transaction processer companys. The list don't end.
* I know theres no reason for poor customer service, your bank might be spending tons of man-hours researching, disputing transactions, reordering compromised cards and setting up pins. Non of these crappy things are a push one button fix. Theres constant changing, not only the ways these jerks commit the fraud but the constant changing of rules and laws and how this stuff is handled.
*Update your address and phone # so if there is questions about something hitting your d/c they can get a hold of you.
*Balance your account, check your statements, you only have 60 days to dispute a charge.
*Ok I've blathered on long enough.
Have a great night!