My brother found out that his credit has been used by someone. Some one used his credit for buying pre-paid phone cards. He hadn't been used his credit card fro months and last time he ordered stuff from Microsoft. Probably their server has been hacked along his credit card number . So he called his bank to report his card has been stolen. They're going to close that account and gave him a new mumber. He will get his new card next week. Ron.