I have had my debit card compromised twice, and my credit card once... And I thought I was being careful, to be honest. My Visa card, someone spent $4200 on it in Kenya (lol). I got a call from Visa within minutes asking if I was in Africa, and immediately knew what was going on. My debit card both times they withdrew $400 out of an ATM (max for a day). I had the money back in my account within 48 hours both times.