Terri watches our Visa bill like a hawk. She noticed some strange charges today. Upon investigation we found that, yes indeed, someone has our number and is attempting to charge with it. Visa is out about $465. They caught on and denied payment for an immediate and quick $300 more.
The account is cancelled. The cards cut up. New ones on the way.
I wouldn't call it flat out identity theft, but it is unnerving. We never lost a card (or wallet)... that means somewhere someone got a hold of a real and true transaction, copied the numbers, and it took off from there. Nice.