Dusty... one thing to keep in mind. Activity in Australia when you live in Phoenix is not necessarily an indication of fraud. Given the ease of ordering something from Australia on line, it is very possible you did the purchase (from the bank's perspective). As an example, I purchased an auto part from a local store (east coast) and when I got my credit card statement, it said there was a purchase from California. After calling USAA and some research on my own, I found out the home office of the parts store (or at least where they do their payment processing) was in California.