the same thing happened to my mum but she had her card number swiped from a hotel as they need your credit number for security, she went to use it and $7500 had been used in singapore, and other asian countrys but for them to work out what the go is they stopped all acounts and her credit card but her home loan and all direct debits came from the credit card as she had it to off set all of them so they had no money for 1 month till they could change my step dads pay and hers due to the off set both pays went straight on the home loan! good luck mate hope it gets sorted and you dont have many dramas