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I had one of my CC accounts hacked with single transactions twice in 3 months. It turned out that one of the merchants didn't know anything about my transaction and it didn't fit with the series of transactions that merchant had done on the day in question. It must have been some kind of a hack into the bank's or Visa's network. I turned the matter over to the police to investigate. The bank wasn't very cooperative and the detective stopped working on it.

Situations like yours C-DUB are why I download transactions nearly every day for all of my accounts. I caught both recent frauds quickly and alerted the bank. I see it as an extension of my situational awareness. I kick off the download while I'm opening and reading my e-mail so it is no impact, time-wise.