It was just a matter of time...The phone rings and a lady announces that she's calling from my bank. We clear a couple of security questions then she asks me "Have you moved recently?". I assure her that I'm still at the same address and she then informs me that 'someone' has recently attempted to change the address for one of my credit cards. It seems they have also used it to purchase over £5,000 ($10,000) worth of goods, presumably over the internet where a PIN is not required. As it happens, the card that has been mis-used is one that I only ever use for internet purchases, and being very careful about viruses, spyware and the like on my PC, my guess is that someone has stolen the details from one of the merchants concerned. Whether this was a dishonest staff member or simply the company not taking sufficient precautions over protecting my details, I guess I'll never know.The bank has placed a 'stop' on the account and is issuing a new card. I have already advised them of the transactions that are fraudulent and we shall no doubt argue over this in the coming weeks. So why did I say it was just a matter of time? Well I would say that at least 50% of my close friends have had a similar thing happen, and I always felt that it would happen to me at some point, no matter what precautions I took. That doesn't make it any less stressful when it happens, and the thought that some low-life has such little regard for me that they will treat themself to various luxuries at my expense and cause me considerable problems, is something I have never understood. I suppose it's the sheer selfishness that gets to me, that fact that this person is only interested in their own pleasure and that if this causes someone else distress then that's too bad.It makes you wonder - if this person is so callous then how could they possibly have any friends or do kind deeds for someone other than themselves? Maybe they do have genuine caring feelings. Maybe the only reason they resort to this sort of crime is that it's unlikely they'll ever have to look the victim in the eye? I'd hate to think that they are so bitter that every other person on the planet is simply there to be either used or ignored depending on what opportunities arise?What I do know is that if I agonize over this or try to understand it then I will ultimately fail. Does this mean I should forgive them? Well it's hard to feel that forgiveness would do anything other than build up the culprit's belief that the criminal choices they are making are right. So it seems that all I can reasonably do is to just deal with the consequences, hope the culprit is caught and punished (something I understand is unlikely these days), and to then put it to the back of my mind and be even more vigilant in future. I always think there's a lesson to be learned from each of life's experiences, but this incident just leaves me cold. Yes credit fraud is very serious, and I will doubtless suffer consequences, but I can't help thinking that if I spend mental energy worrying about it, and the miscreant who did it, then I'm worrying about the wrong things in life.  Am I confused...?