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i think that 'first hint' is the key. lots of credit card companies have algorithms to flag potentially fraudulent card use and proactively freeze the card until the cardholder can be contacted, but those algorithms are most useful in situations where the card is being used normally and suddenly a physical swipe shows up a?thousand miles away. or the card is used to make an international online purchase for non-shipped goods. the algorithm varies but if purchases are in-line with a card holders buying patterns it can go unflagged until the cardholder notices themselves, which requires the cardholder to either be very thorough and frequent in looking at purchase history, or to have alerts set up, or barring those things - for something to happen that finally gets their attention (like a discrepancy?in statement balance substantial enough to be obvious).