Crime of this type is less to do with where we live. In America it is almost routine. For instance, last year I had 3 occasions in short 3 month period, my card was illegally used again and again even the card numbers were renewed each time. Too much, so I contacted FBI. They say the culprits are very likely in foreign countries, like someone in Africa. Understandable cause it uses internet digital network. Credit Card is always risky no matter how they create fire walls to protect info. But in America, people's identity is closely and crucially tied with credit card score in adult life. So one has to have it for survival...😤