The story

I've lived in the UK and New Zealand before moving to Canada and, about eight years ago, I was the victim of a credit card hack in the UK. Normally you believe that people will hack your card number online to use it far overseas, but they'd attempted to make a £400 purchase at Tesco, a British grocery store chain.

In Canada, just last year, I had my Canadian credit card hacked, and somebody had successfully used it in a Pizza shop right here in the city I live in.

This was the event that spurred me on to get a VPN, review the way I use the internet, and review my passwords.

The consequence was a disturbance of my daily routine. Having your cards canceled means waiting for the replacement cards to come in the mail, which means putting payment methods on hold until they arrive.