I've had a citibank card for a number of years & this PM got a phone call out of the blue. Automated voice asked me to verify a strange charge made TODAY of only $9 from a merchant I had never heard of. First thought was that the call was phishing, so I hung up & logged on to their secure acct management web site. Sure enough, my card was flagged with a security alert. So I called the # on my card & got transferred to the security dept. Same story. After verifying my pre-existing password & security question(s) they said they needed to close the acct & send new cards with diff acct #. This card # theft had happened to me a few yrs ago, so I was familiar with the procedure. But back then I was the one who detected the small fraudulent charges from my billing statement. Very impressed that Citi picked up this new fraud within 24hrs of the charge. My suspicion is they had already detected a pattern of fraud involving the same merchant.
FWIW- I'm generally pretty paranoid about my CC access, but I guess it's just not possible to be 100% secure anymore
FWIW- I'm generally pretty paranoid about my CC access, but I guess it's just not possible to be 100% secure anymore