or so you say ...
monsieur Toad
Clod - Some DH got mine in Niagara Falls a few years ago. Very similar thing. It sucks and it is a hassle. Sorry
One suggestion for all. If you use a credit card online get one with a $500 limit and keep it separate from your other accts. Use ONLY this one online. The damage, hassles and losses for everything and everyone will be infinitely less.