Consumers don't need to worry about this though: all fraudulent charges are removed from the customer's account and are somebody else's problem. The customer ge

Consumers don't need to worry about this though: all fraudulent charges are removed from the customer's account and are somebody else's problem. The customer gets a new credit card sent to them, sometimes even overnight, for free. I've had both credit and debit card fraud happen to my accounts: it is a pretty minor annoyance. (A data breach of my Social Security Number would be a whole different story however!)