A friend of mine (Australian) lost her credit card while travelling in
Thailand.
She rang the emergency number (it was one of the major credit cards) and got
to an operator in the US who had apparently never heard of Thailand.
After 10 minutes of "I'm sorry ma'am I can't help you unless you tell me
what state you're calling from" she demanded to speak to the supervisor, who
eventually cancelled the card and arranged a replacement.
These things are not predictable.