Credit card fraud has gotten so bad that our cards are compromised several times a year. I now pay everything on two different credit cards and then pay them off the next month or so. When one is compromised, we shut it down and while waiting for the new one, use the other. Life goes on.
If anyone has seen the old 1947 movie, Life With Father, most of the women in my life subscribe to what I call from the movie, pug dog math. It's a cute movie but of course it is not scriptural.