I read somewhere that banks now going to stop reimbursing money if the transaction happens in Indonesia.
For overseas transactions they will reimburse it.
My CIMB Niaga card has been skimmed a few months ago. I noticed it the same day they took money out of my account because of the notification email I get with any transaction. I stopped by at the bank, blocked the card and filed a report. They asked for a copy of my passport to proof that I did not leave the country (the transaction in question has been done overseas) and after around 8 weeks I got the money reimbursed. So far so good. Another friend of mine had his UK card skimmed and they reimbursed his money without a problem. Cant remember what bank...