Many credit cards now allow you to set notifications about when your card is used and is not present such as online payments. It is sent immediately to your phone or email and allows you to respond if it was not you using the card. Also if you find charges on your account that you did not authorize or were tricked into authorizing demand that your bank or credit card company allow you to file a Reg. E claim. They can not refuse to take the claim or require you to provide a police report and they have to investigate in a required timeframe (10 days) from time you notify them (by phone, email, mail or in person). If they don'accept your claim they are in violation of Reg. E and you can report them to CFPB. Sorry if too much information - I was auditor/compliance specialist for over 15 years and this was one of my quarterly reviews of bank to make sure we were never in violation.