Our bank catches fraudulent charges on our credit card very efficiently. They notify us right away. It has happened twice in the past two years. The first time someone used our number in California at Burlington Coat Factory and a few other places. We live in Florida The second time it was the Home Depot thing.
Another time, they called us at 11:00 at night to check to see if we had used our card that evening. I had bought a very expensive computer and printer and a pair of jeans. The bank wasn't used to seeing such large amounts on our cards. I thanked them and assured them that we had made the purchases. I had to tell the representative what we had bought.