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by p49k 2833 days ago
A combination of both: the card company will notify you of known issues and clean up what they can, but they won’t catch everything. In any case, it’s a good idea to be regularly monitoring your card statement anyway because stolen card numbers aren’t the only issue with excessive charges you might face: there are also incorrect billing charges from legit vendors who made a mistake, being signed up for services you didn’t want (like the kind Wells Fargo was found guilty for doing), etc.