I guess I was fortunate. $200 one time, one thousand the other time, both times to the same bank’s credit card (which was changed by the bank after each occurrence.) Still, I didn’t panic, didn’t contact the credit rating bureaus, have never worried about my credit rating number, which is another product invented in recent years to sell to you, and have been getting new credit card offers weekly since then (5-7 years ago) without interruption.
I think mine was being used by several individuals at the same time. There were charges from many western European countries. itunes, games, hotel rooms, rental cars even dating services. I forgot the exact amount but it was well over $2K and it happened very quickly. A matter of days.