Last spring I had my debit card stolen when I used it at a restaurant. While identify theft was unlikely, I contacted the credit agency's and asked to restrict all promotional mailings and to notify me of any credit requests. Most mailings have gone away
. and since I didn't go anywhere asking for credit, no hassles on my end.
As for the stolen card, bank immediately caught and refunded mispent funds (they were the ones who notified me within 1-2 hours). Turns out it was an interstate ring, so the FBI got involved. The first defendent has gone down in federal court..facing 15 years
. I expect the rest of the co-sonspirators will plea....but that is another story.