Don't forget those doctor's office too, two days after my wife visited, credit card comp call to verify $3000 merchant purchased in NEWYORK, a week later, we got all the money back.

To anwser the "fraud protection" thingy, no, we did not pay any extra for that(discover card), when they get a big $ ticket from somewhere that not around our "normal spending zones" they just put it on hold and contact us.