<prompt> Human: Hello this is my first time dealing with a situation like this and its kind of got me freaking out a bit. In class today I received a call from my bank USAA that there were some suspicious charges from overseas that pretty much cleaned out my account. My bank canceled my debit card and flagged my account to avoid other incidents and aside from sending me a new card and starting the process to get my money back, they kinda left me hanging. I checked up on my credit card, theres been no fraudulent charges on it but I called anyways and asked them to put a note in that any charges outside of my area probably isnt me. I love in a pretty rough area so I dont like to carry a lot of cash with me, so I use my debit card practically everywhere I spend money. Im kind of at a loss from where to go from here:I strictly use PayPal and aside from Blizzard I dont use my card anywhere online. Should I go about changing my online passwords and such?What should I do in the future to stop this sort of thing from happening?So far all Ive been able to to think of doing was contacting my bank and my credit card company. Is there anything else I should check on to avoid any hassle in the future?  <response>: That sucks a lot, Im sorry to hear about it. You should get it all back except maybe 50.An important lesson to take from this is to stop using your debit card anywhere. It only takes one store hack or crooked retailer for this to happen. If it was credit card information that was stolen, all you would have to do is contest the charges, pay the remaining bill as usual, and at no point would your actual money be threatened. Because it was debit they first get all your money and then you have to wait for the process to give it back.Once you get a credit card, use it like you would a debit card: keep track of the balance relative to what you have in the bank, and pay off the statement in full every single month. Pay it off every week if you want, if that helps you stay on budget.Someone charged 45 on my oldest Chase credit card last month. I got a fraud alert and called them the next day, they cancelled that card and mailed me a new one. At no point was I actually out 45. 