My actual credit card number was stolen once, first time ever. Wells Fargo caught it immediately, reversed the charges, and cancelled the card. Minimal hassle.
Then I had information stolen in the Anthem hack, and something also with the CareFirst website, That plus the earlier breach at UMD a couple of years ago and I have two credit-monitoring services being paid for by UMD and Anthem, and I've frozen all my credit reports.