someone in the uk used my credit card while i was in thailand, as i have transaction updates on my phone i knew right away and contacted my bank, HSBC, they were efficient and professional, it was only about £50GBP but they cancelled the debits so i lost nothing, and cancelled and replaced the card. i rarely use my credit card, mainly for flight booking, so am unsure how it was cloned. was impressed with my bank's prompt and effective action.