Credit card cases are very lengthy and time consuming. Credit card companies will not give police any information regarding the account even if the owner of the card consents. The officer has to get a search warrant to get all of the information. And to get a search warrant on those types of cases takes a significant amount of time.
Police have to prioritize case loads. It can take several hours just to write the search warrant, then contact the court where the credit card company is located, and have the judge in that jurisdiction to issue to the warrant, then have another PD serve the search warrant (if the company wants to be a pain in the ass). All that can take days if not weeks. That is why most PD's require the consumer to get all the nescessary information and bring it to the PD.
The credit card companies also have their own civil investigators that get paid to investigate credit card fraud, then forward the case to the district attorney's office in the jurisdiction where the crime occurred.
What im saying is either the law needs to change where law enforcement can get credit information from companies when the consumer makes a report of fraud, or the consumer needs to get their shit together, then go to the police with the info.