I haven't had a problem (fingers crossed) yet, but I did have problems with the new ramped-up security system my credit union implemented. For a few days, they were calling every day to verify every purchase. It turns out that I had inadvertently set off flags when I bought an AF ticket online that was just over $2k. Apparently the security system works on a 'points' system and eventually a string of confirmed legitimate purchases will restore confidence in the card.

Credit union said they bought the new system because of huge increases in fraud. Gas stations are apparently one of the worst places, but they are also seeing huge increases in low dollar amounts at places like gas stations and markets (liquor and cigarettes). They said it used to be that a compromised credit card was almost immediately saddled with high-dollar electronic purchases, but now they're after low-dollar amounts too.

There are also bigger in-house problems than some of the issuers want to admit. A couple years ago, it turned out that my credit card had to be replaced (credit union was very proactive about this) because the processing was out-sourced to an outfit that got hacked. They were supposed to process transactions, return results and delete data. Instead they were retaining account info for months (supposedly to do some 'testing' - it still was in violation of the terms of their contract).

Unfortunately, my credit union's answer has been partly to demand even more information. I never reported when I went out-of-town - depending on who had access to the info, it was one more person who knew the house was unoccupied. Now I have to notify them when and where I'm going or risk getting my card locked. The security company they out-sourced to actually wanted a list of where I regularly use my card! Hello! I bought a new furnace - that's a one-time purchase from that outfit! I might stop at a 7-11 one time. I use the card everywhere because of points, but I am seriously re-thinking my habits at this time.