I had a run in with one of the sub-humans today, and it was one who wasn't even man (or woman) enough to face me, meaning my concealed carry gave me no help.

I logged into my bank's website to make a payment on a credit card that I haven't used in a while and was surprised to find it $200 over its limit.   someone in Georgia decided to take a cloned copy of my credit card out for a little shopping, and it appeared they were rather generous. They even bought gas for several different people at a gas station on Christmas day. 

Some of the many charges included several hundred dollars at Home Depot, K-Mart, and even as I was talking to card services, they were trying to spend $400 at Target, and 15 min later, trying to spend$300 at a Sears

Now, I have an extensive background in fraud investigation, so it didn't take me long to find out where the incident occurred.  The according to Visa, the person was using a cloned card that could only mean they had my card in their hands at some point.  The most likely place (out of the 4 possible locations) was at a local restaurant where the service was unusually bad, but when it was time to pay the waitress charged us the wrong amount twice, brought back the wrong card once,  and was just plain rude.   I can't say that I felt violated, or scared that something like this could happen, I spent 5 years learning all of the intricate details of how it happens, my Credit Union has already refunded the money, and is preparing a case to sue the individual once they are found, but I was still surprised when the Visa Rep told me that she was turning over the case to the FBI and Secret Service for investigation into identity theft, counterfeiting, and transport of stolen property.  I can't wait to find out who this person is so I can laugh at them. 

I just wanted to put this out there so you know to be wary of who you trust to walk out of sight with your credit card, and just because you aren't using an account doesn't mean you shouldn't check up on it continuously.