As countless retail security breaches have proved, there may never be a way to prevent hackers from acquiring credit card data however cardholders do not have to be responsible for unauthorized charges. But there is one catch. Cardholders have to spot the fraudulent charges and report them to their banks. The only way to do so is to go through your credit card statements and consider each charge. Unfortunately, some merchants process their charges under names that their customers might not be familiar with.