You know the very same thing happened to us, but let me tell you briefly, there was an investigation first, then they told me most often times, MOST OFTEN TIMES, it is from someone with a copy of your number, that is all they reall need now. According to our theif, he went to France and back, my credit card company called us, knowing our history and asked us if this was our charge, we of course went nuts and said NO, they took care of it, that is why they have insurance. Try not to let this bother you, I know it bothered us only for a while, if someone is going to steal from you they will find a way. Sharen SAM'S3D