Watch your credit card statements. ANY charge made to that account which was unauthorized is a big red flag. Hackers have search engines that scan thousands of card numbers in minutes, looking for active ones. They will then try a very small charge (typically only a few dollars). If it goes through, in nanoseconds they can hit you for thousands ..lots are for $ 499 (just under the most common limit) multiple times.
Prized targets are active, but seldom-used cards. The ones we take out while shopping to get a one-time great discount but now sit in desk drawers or perhaps a billfold "just in case" are perfect. Although cancelling cards might affect your credit rating for a short time, trying to straighten out fraudulent charges is a real hassle.
Sorta the same thing for fake sites that want you to register as a new customer - enter drawings, etc. On the "black web", your info has cash value. Lists of "marks" are sold and shared worldwide. Victimization is in billions, not millions of dollars each year.
