Correct. My wife got hers stolen years ago at a gas station and we had our account frozen for over a month straightening it out. I got her on the system of using a $500 limit card for most everything and we just clear it regular. Have a couple slightly larger limit cards and use accordingly. Anything too major, we roll the dice...but if you want to be safe, you can usually contact your bank and they can give you a temporary number only good for the amount you tell them, to the place you tell them. Extra steps, but if you need to pay for something big and want to stay safe...worth a minute of your time.