Your bank was just trying to figure out which of two internet strangers not in your home territory was the real you. Someone using your card isn't the main pro

Your bank was just trying to figure out which of two internet strangers not in your home territory was the real you. Someone using your card isn't the main problem with "identity" theft. That's a minor issue. If it's more than a few hundred bucks you'll notice immediately. Someone getting a loan or a social security card benefits or health insurance or tax refund or committing a felony in your name is the major issue, which can run your life with you not even knowing for possibly years.