Wow, I feel so lucky. We have Robo call so lots of scam calls don't get answered, only answer calls that we recongnize on caller ID, for the last 18 years have paid all utilities, mortgages, credit card payments cable and telephone with direct payment....bank pays nothing except what we signed up for and won't accept any change in direction so the bad guys can't send it someplace else. We check our CC charges every couple weeks plus the CC fraud department reaches out if the see something odd. We also use paypal for those that accept it. Since we started we have had zero incidents...ever. Have two issues with credit cards and they were handed quickly including FedEx the new card. I have no family or friends that have had serious issues. I carry one credit card, drivers license, Villages ID card and less than 50.00 in cash all held together with a binder clip. Guess we are lucky
