With online access it only takes a few momemts to check accounts at least every couple days. I had some incidents a year or so ago where two different charges from a food place near Richmond, VA. appeared on one of my cards. Challenged both and they were removed. Then another from a landscaping place in a suburb or Richmond. Again, challenged and charge was removed. Made a call to the VA State Police at Richmond and got someone in the fraud division who was very happy to talk. Turns out they had no information on a 'grand scheme' but took all the info for their records. About three weeks later the officer called to update me on the status which was nothing. My advice to others, check often and if you see a suspicious pattern, call the State Police. They need to hear of these things and if people don't call, they have nothing to investigate. Have to mention the Virginia Staties get a big plus from me for their interest and followup.
Al