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Then, all of a sudden, your card is declined, leaving you red-faced and frustrated. Siciliano says each payment transaction is automatically analyzed for up to 200 different data points, everything from where you live to what you normally buy to how much you’re spending, to determine the likelihood that you’re the one actually making a particular charge.

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For most consumers, it's a familiar process: A new credit card arrives in your mailbox, you open the envelope, and the card bears a sticker reading, "Please call from your home phone to activate your card." Until then, your brand new credit card is as useless as a paperweight -- and just as secure, right? The startling truth is that while some unactivated cards are automatically declined, many others sail through a purchase without a hitch.

In those situations, anyone could come along, take that new credit card from your mailbox and use it.

Other times your card is simply declined, with no advance warning and no information why, and it’s up to you to call your issuer and sort out the problem.