It has happened to me before, it will surely happen to me again. No matter how vigilant I am in protecting my credit card information, someone, somewhere, will somehow gain access to my credit card information and run up charges on my account. It is another form of identity theft. They are pretending to be me as they enjoy the fruits of my credit history (as meager as that might be) and adding to my debt load. To be certain, depending on the card, I won’t be held responsible for fraudulent charges. The legal limit is $50 if I regularly... Read more →