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There is a REALLY simple way for those who are worried about this. I have 3 cards and all 3 of them allowed me to set up alerts for their use. One is set to $50 and above, the others $100 and above. When I or Wife use them I get an alert while still standing at the counter before I can even get out of the store. Buy stuff on line and the alert is here before the e-mail is here. So for those who just never bother to look at the account and may "miss" stuff. Your bank will probably offer to set up alerts for you.I just happened to check a rarely used CC the first week in March to find a $1790 charge on it. Knew it was not me and immediately called fraud at B of A and cancelled the card. They blocked the charge>>>forward 30 days and I get a letter that they denied my claim and sent me copies of the paperwork.
Well I look at the 'invoice'. The company is a multibillion $$$ petro-chemical company in Houston. I emailed the (BofA never contacted them) Sr VP of Operations with certain info. He responded that they don't even take CCs for billing services......Looked further, the invoice number was #000001 ..... Evidently that wasn't fishy enough to pique a fraud investigator's curiosity......reopened the claim.
End result is NEVER rust a bank to be on your side. No one cares for you like you do!