Monitor your accounts! I was checking my bank account on my phone while DD was in dance class to see 2 transactions that I didnt remember making so I called to inquire a little more and sure enough - while I live in CA, my debit card was used in NY this morning at a gas station - I had to cancel my card, and while I will get refunded it wont be for 3-5 days until it officially posts (as its pending now). I am glad that I caught it before they went on some shopping spree or something the only bad thing is bc I have a bank that doesnt have a local location so to speak, I pretty much rely on my card and so I have to wait for the new one. I do have credit monitoring bc I know people use other folks info to obtain cards/credit but never thought about my debit card. Its not even like I shop online or anything, well I guess I have a few times but still didnt think much of it, initially I thought maybe I just didnt remember buying something - glad I called.