we haven't had identity theft (yet) but our credit card company shut down our account when they learned of the breach-thank goodness (without notification other than on the web site which they apologized for profusely because they apparently had to shut down thousands of accounts quickly) and then they sent us new cards...to the wrong address, since we just moved our update occured after the breach. ah yes, then the new cards came with an annual fee and a rate adjusted for a problem on the account (not caused by me) but of course the credit card co. was in a hurry to send out new cards. then it arrived but was the wrong type of card. for three weeks I used another card but do they owe me for the inconvenience and hassle of having to renegotiate my card-yes I think they do.