Paranoid atm bec I got scammed

I'm a cc user for more than 10years. I do have 2 credit cards and I can say I'm a good payer. HSBC and BDO. Both cards were renewed last January. However, I was having a hard time receiving BDO CC bec nakabukod na kami ng wife ko. Naka-address kasi yung shipping address sa bahay ng parents ko (nung nakatira pa ako don). They always notify me na unsuccessful delivery dahil ako lang daw authorized person to receive whereas ni-reiterate ko sa CS na inappoint ko yung mother, father and sister ko para mareceive nila on my behalf.  

So that's the story. Then this happened...  

Since waiting pa ako to receive my BDO renewal CC, I received an SMS last Feb 29 saying that the delivery attemp was unsuccessful so I thought it was (again) my BDO CC. There's no context na BDO sya sa SMS. Random message lang na meron link that lead me to the browser of my mobile phone to update my shipping address and they will be charging 70php to redeliver the next day.  

I had the feeling that it was some kind of fraudulent acts para makapang-scam but bec I badly need my BDO credit card, I filled-out the form together with my HSBC credit card info to pay the redelivery charge. OTP received on my mobile and when I was about to enter it into the text box of the website where I need to put the OTP code. Take note I did not enter the OTP yet ha. Pero I received a notification from HSBC na it was used amounting to USD 700 (40k+php). So I immediately reported it to the CS hotline. Told them na yung recent transaction is not authorized. They held my account and open an investigation case. Turned out na authorized daw since naenter ko daw OTP ko which I did not and the fact na nireport ko to sa kanila agad agad, may urgency na dapat ihold nila yun kasi floating transaction pa sya, meaning hindi pa nababayaran ni HSBC sa merchant yung nascam sken.  

I insisted and filed for dispute. Not sure kung ano mangyayare pero sabi nila 60 to 90 days bago ako uli maka-receive ng feedback sa kanila. Lesson learned naman na. Lahat ng legit na balance ko binayaran ko na din except dun sa USD 700.  

Any thoughts? Ano kaya mangyayare? Anyone with the same exp? How was it?  

Be safe everyone sa future transactions.