I had this happen to one of my CC several years ago. CC company called me stating there were charges & this lady started asking questions. I hung up & called my CC company & sure enough someone had tried to place over $3300.00 in ladies sexy under garments, electronics & they even tried to make a donation to a non-profit organization. I placed fraud alert/ID required on all my accounts & haven't had any problems since. There are warehouses full of hackers in China & Russia & possibly a few other countries, where all they do all day long is attempt to steal your info/money/etc. It may be a pain in the butt to have to let your company know when you make a large purchase, but it's better than being ripped off. Bank account/checking/debit cards are the easiest to hack, which is why I don't have one.