Credit Card Security

I have two banks and two debit cards. both were used in a foreign country on the same day and the same minute. they went through pay pal and I no longer use pay pal as a method of payment. You just have to look at your bank or credit card account every day and the bank will reimburse you for any charges not made by you. each bank has their own way of handling the refund so contact them immediately after you find a charge. One of my banks refunded right away the other I had to write a letter to get them to refund.