then there are credit card companies which are nice to the recurring charge companies, and update them with the new card number so that there is no interruption in service due to a new card number
so if the stolen purchase is a revolving charge, and you dispute the charge, but they don't clear it in time, or something goes wrong, the only recourse is to cancel the card. . . There are a few small, non bank credit card companies where the fraud department is too small and not automated. Was my mom's Fidelity card, and with her dementia, she was just oblivious, and a few other confounding issues, was a big pain in the a$$ so i just cancelled it.
Everyday card should have the minimum dollar amount, $1000 these days, and then set up a weekly transfer of like $100 from checking, etc, and you will not incur much interest if any and will never have a minimum monthly payment required. . . and you don't have to check it every day, unless you are a money control freak. . .
The everyday card with a minimum amount and a balance will usually get flagged right at the point of sale if the purchase is big enough. . . my everyday card has never has a problem, with Bank of America, so far. . .
finance guy