I had the same thing happen to me last month. I check my account on line frequently and saw a $70 charge that I knew was not mine. Turns out someone signed up for an online dating service using my debit card, and then the next day for Napster. The card has not been out of my possession, so don't know how they got my info. Got my money back and got a new card but still it's scary. So glad I can check my account on line