Never had fraud on my credit or debit cards, and with 3D Secure it's difficult to pull off (basically 2FA for all online credit card purchases). But I did have

Never had fraud on my credit or debit cards, and with 3D Secure it's difficult to pull off (basically 2FA for all online credit card purchases). But I did have someone fraudulently making direct debit transfers from my bank account. My bank cleaned that up within three business days