In the beginning i had started with capital one and it seemed every few months therr was an issue with my card. But before i noticed it, capital one had already contacted me so there was no issue to worry about. I think credit card companies deal with this routinely and i am thankful they catch it before I do. If i caught it, i figure i would be on the phone for quite a while. Its part of everyday life and its something we need to live with.