This is the second time this has happened in the past six months (and it's happened before that too). I've explained to them to not give our personal information willy nilly. How to spot phishing emails. Always check the actual email address. If you're on a website, see the actual URL. Contact the store directly. Don't not reuse passwords. I've set up things to make it easier for them as much as I can.
But I'm feeling so lost now. I lost my temper today. I know I shouldn't have done so. Obviously, they feel bad. We've locked the card and contacted the bank. They'll send a replacement. It's done, for now. But I know their information is out there. Their phone numbers, address, probably even their passwords.
It's like fighting a losing battle, hoping they never make a mistake that'll cost us thousands, if not more.
If it's just the card, that's not a huge issue. Card scams happen all the time and are super easy to fix (even your average restaurant card swipe can easily be data-jacked by a disgruntled employee) to the point where re-imbursement is basically automatic, not even needing to prove that you didn't purchase the item or service if it is under 10,000 dollars. It doesn't even lower your credit score and in fact can increase it because it means that you are actively using your card and other credit services even with risk. It's literally a calculated risk of doing any card transactions in the current market-space. There is very little that your parents can do to prevent it from happening.
Having social security info out there is another, much larger issue. If people are able to take out loans or credit in your name over 10,000 dollars, that is where issues come in, as the need financial investigators to verify previous purchases, which can sometimes become a multi-year clear up process.