[onewhippedpuppy]

Had an issue with my Discover card earlier this year, first time ever. I noticed because we got an automatic notification that the email address associated with the online account had been changed. Turned out someone had removed our email address and added their own by somehow getting into our online account, then used a cashback bonus to purchase some items online. Oddly enough that was all they had attempted to do. To their credit Discover covered the loss and sent us new cards, it was relatively hassle free.