These days hacking of your PII is inevitable if your on the interwebs. Heck, even if your not it's inevitable. I have had my credit being monitored (for free no less) for the last 4 years. Target hack, (check), Home Depot hack, (check) OPM hack (check). The CC that I use to run all my bills through (as well as all online purchases) gets compromised about once every 14 months on average. I have the card set up to send me a text on every charge so I immediately know every time the card is used. Have not lost one penny from my bank account.