I disputed the charges with Wachovia and they will reimburse them once they contact the concerned companies. I try not to use credit cards because I don't want the climbing interest rates to build up. I have heard from some friends that credit card companies are canceling accounts. Boom, just like that. They were small amounts, so not too big a deal. They joined my/reunion.com, ordered vitamins and played video games on line. All stuff that can hopefully be traced. Apparently whenever somebody does this, they will try an account with small charges to see if the numbers work and then they go for the big buy.