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I hate to be the bearer of bad news but with the advent of State supported hacking en mass (think Putin and Russia) it is just a matter of time before we are all on a list of compromised cards.  I am being monitored by no less than 3 services all provided free of charge by the agencies and companies that got hacked.  In my case it was DOE ( yes our own GOV) Target as well as Home Depot.  I get reports every month on my credit status etc.  I have new cards of course but really until we switch over to cards with chips etc its a joke.  The US is sooooo far behind because it would cost…….. MONEY which corporations don't want to spend to protect your assets only theirs……  End of rant!