Identify fraud or theft
Fraud is any transaction that hasn’t been made by you, and has damaged or could damage your assets. There are different types of fraud; some of them are listed below: 

• Stolen or lost card.

If you had your card lost or stolen, and it was used without your consent. 

• If you haven’t received your card

If you didn’t receive your new or renewed card sent by the issuing bank. You didn’t have any idea it was missing until you receive a statement with transactions that weren’t made by you.

• Fraudulent request

Someone uses your personal information to request a credit card. This type of fraud is very common and difficult to detect until the issuing company receives a complaint from the consumer or when the account goes to collection soon after it is opened. If you are not a client of the issuing bank, you couldn’t possibly know a card was issued to you until you request credit somewhere else and it is denied for poor credit classification.

• Forgery

Even if your credit card was issued to you by your bank, the transactions on your statement were not charged by you. This could prove there is a forged card out there with the same number as yours, and it is being used at the same time you make legit charges.

• Someone takes over your account

Even if you have your card, someone else pretends to be you, and takes over your account requesting that a replacement card is sent to a “new” address. You won’t know it happened until you receive a statement showing charges that weren’t made by you, or when you stop receiving your statement.

• Someone uses your account number

Even if you have your card with you, someone make transactions using only your card number, like shopping from a catalog, by phone, or online. You may not know about it until you receive your statement showing charges that weren’t made by you.

• Other scenarios

There are other scenarios that can also qualify as fraud, other than the categories mentioned before. An example is stolen checks used later.

For that reason we suggest you be extra careful with your debit and credit card, checks and your account information, so you are able to detect any abnormality.
What you should do if you believed your information was breached

Call the bank or financial institution that issued your card immediately. The issuer could cancel your card and send you a new one.  Make sure to let the issuer know that your address hasn’t changed.

If you still have your card, but fraudulent charges have been made to it, call the issuer to report the fraud, and request a new card.

Other than that, call the credit agencies to inform them that your name was used for fraud. A “notice of fraud” will appear in your file. You should also request a credit report and review it carefully.