I know a couple years ago I posted about fraudulent charges several times every year. Still happens, now less than 5 years ago (for me), but the last occurrence was 2 months ago....$700 by Ticketmaster for a concert in CA by an artist I never heard of. I called my bank, card cancelled, new card issued. Interestingly, I called Ticketmaster to complain and they refunded my money in a day or 2, no hassle at all. In the 2-3 dozen (maybe more?) fraud instances I've been through, I've not had to pay a penny. Salute to the CC banks/CU's I've been using.