Holiday spending is about to wrap up and the National Retail Federation is expecting retail sales expected to reach $655.8B (source: NRF). With people in a mad dash to return items and take advantage of end-of-year sales, now is the time to be hyper-vigalent about protecting your credit cards from fraudulent activity. Last thing you want to do is end the year on the phone with VISA because your card is getting declined at a bar.