I never had a problem until I began shopping online for ecigs (been using a debit card since they came out). I did the smaller account thing and transfer funds now. The thieves didn't get anything since my credit union caught it very fast (minutes after the purchase I had a call). I lost nothing but the hassle of driving to the CU for a new card. I gained the knowledge of how not to get ripped off online. It does seem online ecig vendors seem to be an issue but there is a cure.