This year my friend had 3 credit cards compromised during the Hannaford's mess in northern New England (they're the local supermarket up there). Charges were made, but he was able to dispute those easily. The worst part was the hassel of waiting for the new cards and arranging payments (since the cards had balances on them) between the old account and the new one. I've been very fortunate with all of my online purchases, keeping my fingers crossed it stays that way.