My credit card got hacked about a couple of months ago and the guyin the Phillipines got $440 out of the card through Western Union. The way it was done was one amount one day and the second amount 24hours and one minute later. The bank caught it and called me to see if I was using Western Union. The bank was Wells Fargo and they covered the loss. I now have another card number with them. You can call Western Union and have your name blocked so that no one can get money through them under your name. I never use them and found the block a good idea. I keep one account with only less than $900 in it just for online purchases. They tried for a much larger amount but the account was too small so they settled for two small withdrawals.