When I worked overseas, and for the government for years, I got used to leak information and credit cards being among them. I used free services from the government for years because of these leaks but they did not better than myself monitoring my credit card. Just keep up with them closely and you catch fraudulent charges that are quite often; although most don't watch and pay it. I've had loans placed in my name across the World but my credit card companies have always been great for it. Cabela's has been among the best by far.