A thief actually called my C.C. bank, and talked them into adding a card to my account! I noticed quickly as I check my balances daily, but the thief rolled up $15,000 in cash withdrawls and 'transfer cheques' before the bank cancelled it. I wasn't held liable. All this happened in the impoverished country of Canada. I was told it was an organized thing, and I wasn't the only one. A bit of advice: add more security questions to your cards to reduce this type of fraud!