<prompt> Human: Today Discover called me mentioning that fraud is suspected on my card. They mentioned the fast food chain Wendys. Just two weeks ago, my Visa card was suspecting of being fraudulently utilized. Last year, Ive had no less than 5 fraud alerts. One spent 100 at a whole foods, another was a charge of 100 at a gas station. I am thankful for the services of these cards - I wont be liable for these charges and they have send me replacement cards fairly quickly. It seems strange to me that this is happening so often. Am I doing something wrong? Is there a practice I should be aware of so I can minimize future fraud?I was wondering if anyone has had similar experiences.  <response>: It happens. Some estimates predict that .1 of all card transactions are fraudulent.The most common theft happens in the service industry. If you order something on the phone or give a waitress your card numbers, how much time do you think it would take for someone to skim your information?For BIN attacks, the thief doesnt even need to see your card; they can generate valid card numbers and expiration dates using an existing card from their own bank. A friend of mine had his credit card number stolen in this manner by a gentleman in... Hungary.So it happens. Dont sweat it; youre not liable. Just make sure you check your statement every month for errors. 