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Well in my case I was very lucky. The bank caught the would be theft before any money was taken. Someone over seas in another country was trying to use it (I forget where) but they didn't get a penny. My bank knows me and that I don't travel overseas. Most of the time I can't even get out of town much less from one state to another so an out of country charge was a flag raiser. I changed email addy's for my online shopping as part of things along with everything else so I should be safe (hopefully). I don't use it much for online purchases and for at least some of those I use paypal now. I do have some of my bills auto deducted via my debit card but those are fixed amounts usually so the bank can see a pattern of expenses.
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