The first clue, was when I opened my statement and it said 'Minimum payment due: $1,241.81' That'll wake ya up in the morning. >:-D Somehow, this thief managed to jam over a thousand dollars through on a credit card that was MAXED OUT, thus increasing the minimum payment due. I hold the Visa company partially responsible for this as well, for allowing so large an overlimit amount to go through. There were multiple charges on the account - not just one, but one of them was the whopping $1,000 charge. Guys, I even wrote my own email program, because of all the security loops holes in Outlook and Outlook Express, THAT'S how into security I am! But I got hit anyway.