For several months now, I've subscribed to something called 'Credit Alert' which provides added insurance for my credit card as well as credit report monitoring services. It's a fantastic service, but not cheap--16$/month. I finally called at the beginning of the month, after the charge appeared on my card account, to cancel.
This morning, I went to make sure my credit card balance was still 0 (I'm silly that way) and it wasn't. Credit Alert refunded me my payment for January!
"Life's but a walking shadow, a poor player that struts and frets his hour upon the stage and then is heard no more. It is a tale told by an idiot, full of sound and fury, signifying nothing."