Has your credit card ever been hacked? What if a text message like this were to appear on your smartphone: “Re: Visa Card #1234. To continue using your card, please verify these three transactions: 02/08 XYZ Computers $679.57 (declined), Starbucks $12.77 (approved), CVS Pharmacy $25.49 (approved). If you attempted all three of these transactions, reply YES. If you do not recognize one or more of these transactions, reply NO.”