Your best line of defense is to be ultra-vigilante about keeping tabs on your purchase history. And meanwhile, Apple has lit a fire under banks to amp up their verification efforts to double and triple-check that whoever's linking their card is the true account holder.
The bottom line is this: neither plastic cards nor Apple Pay are secure 100% of the time. Of course, if that's what you're looking for, there's always the old fashioned way...
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Joe McGauley is a senior writer for Thrillist. He accepts Visa, Mastercard, Amex, and literally every other form of payment.