system
Given the following post, respond as if you're commenting on Reddit:
human
ELI5: when credit card fraud happens, how are banks able to give me back the money that was stolen from me so quickly?
gpt
They just pay you from their operating accounts, regardless of whether or not they actually recover the money from the thief (which almost never happens).

Fraud, and compensating the victims of said fraud, is just one of the costs of doing business.  It is expected that the bank will take some losses on credit card fraud and it's built into the budget.