[lotsofpulp]

> It’s like a constant thing you have to watch out for, and I’d estimate happens once every couple of years for most people. Either straight up fraud and theft, or just a recurring charge that will not stop no matter what.

Not in my experience. I probably have 10 to 15 credit cards for over a decade, and only once have I had a fraudulent transaction. And even if there was, you simply call the bank, dispute it, and that’s the end of that. Same with recurring charges.

It is even less of a problem going forward since EMV and contactless have become standard.