Rather disappointing I must say. Noticed five transactions to APPLE NZ GCS from my account. At that stage, it was still showing as pending. Called BNZ fraud line and informed them that they were not authorized by me and that there were fraudulent transactions. They promptly cancelled my card and looking at the time of transactions being at 2:00 am, and 4:00 agreed that they were suspicious. And that these transactions would be flagged but from their point of view appeared to be straight to apple. This was in spite of telling them that this card was not connected to my apple account and if I had made payments to apple, I would have got an invoice from them.
In spite of informing the bank, that they allowed those transactions to go through after 24 hrs. Is frankly disappointing (in fact its far stronger words that come to mind) and very poor performance indeed. I was also told that someone would get in touch with me and three days later, there has been neither email or phone call.
On apple support sites, there is numerous discussion about similar fraudulent transactions, and it looks like no one from any side seems to be doing anything about this.