A charge for $63.59 showed up on a credit card that I had not even activated yet. It was a replacement card for an account that I had closed a couple months ago due to unauthorized activity. I had no intention of using the card so when my text alert notified me that there was a charge, I immediately reported it and they are issuing another number. If this happens again, I will just cancel the card knowing it will hurt my credit score. What a scam it all is! I highly recommend everyone using the alerts on their cell phone to closely monitor all of there credit and debit card transactions. This way you may even be able to catch something in a "pending" status and stop it before it is complete.