Francie - been there a number of times. At least once a year one of our cards are "compromised" and we get a new one. One time the credit card called my DH and asked if he had recently purchased Xbox stuff with his card. He answered what is a Xbox and they said "that's what we figured" !! They know us well!!
We have never had to pay for any of the frauduant charges. Check your credit reports. they are free and they show who and when has asked for information. We had the companies put a flag on our accounts so if someone asked for information they would let us know.