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I don't get it, the media is constantly reporting that users may have had their credit card numbers stolen. Surely, if they had, we would be receiving reports of unsolicited transfers from banks? If I were going to go to all that effort to steal something, I would certainly use it.

 

inb4 someone says that only the credit card numbers would have been taken, and that the 3 digit security code, or the 4 digit (with severe constraints on the values) expiry date will keep credit cards safe even if the number itself is know. It won't. There are few enough combinations that one can brute force it.