I check my bank account daily, and pay off my credit cards monthly. I keep my (two) credit card(s) purchase receipts for the month in an envelope and check them against the statement. I refuse new cards that companies (in the Mall) try to give you for a small, one-time savings on a purchase, and nothing comes out of my bank account automatically. I figured out 'less is better' as far as credit cards go....if a merchant doesn't take one of my two cards, they don't get my business. My shredder gets a workout from the credit card offers and anything else that comes in the mail with my name and address on it, that I didn't ask for. I know I'm not home free and something could still pop up, but I'm cutting the odds where I can.