Credit card compromised.

G,day all,
Just a reminder that thieves are still active on the net.
I arrived home from work at night on 04/04/06 and SWMBO tells me that my bank had called. I immediately rang the 1800 number but the guy didn'y know what the call was about. I then looked at my account on the net and saw that a fairly large figure was in my account but only a few dollars was available. I rang back the 1800 number and got a different guy and asked him what was going on with the two different account figures. He told me that my card (one of the top ones) had been compromised. He immediately started the ball rolling to get a new card and gave me a number to ring during business hours. On ringing this number i was again told that my card had been compromised to the tune of $3.015 through an Ancestry Locator Merchant in the UK. They told me that they had put a hold on the transactions and that i would get my money back. They have a team looking for dodgy withdrawals all the time and had picked it up.
The money was returned last week and the bank is fairly certain that the number was obtained on the net. They said that the only thing to do was use secure sites and even them you can not be 100% sure. (I do not look at dodgy sites LOL)
I suppose that a way out of this is to use an account that only has enough funds to cover what you are buying at the present time. The bank was excellent. Any thoughts or ideas are welcome.
Cheers,
Bros.