Well not me, but my husband. We both use SKYPE and have personal accounts on our computers, and I have a SKYPE phone at the house.

We have many international friends / ex-exchange students who have lived with us who keep in contact with us. If you don't know about SKYPE it's great! We call a student who used to live with us, and we call her 2x a month at least. Skype allows us to talk for PENNIES. And if you are talking computer-to-computer, it is FREE. So if we call her cell phone, we can talk for cheap, and if she's on a computer, it's FREE.

It was great--until this morning. My husband went downstairs in the morning to find his laptop ON and SKYPE open. It was not on last night.

He logged onto skype and was hit with INCORRECT PASSWORD over & over. He was locked out of his account, so he got annoyed and opened a new one.

Meanwhile, Bank of America sent me a Fraud Alert via email. They thought they detected fraudulent activity on his credit card and froze it. They were right. I don't know how they figured this out, but they cut off his card.

I went online and saw a $10 skype charge--accepted.

Then one for $25, and 5 more for $10---all declined. That must have triggered the alert.

Thank god for Bank of Am. They caught this.

If my husband had paid/linked to a debit card or used Paypal--it might NOT have been caught. And paypal would NOT have refunded it.

He's been hacked. I don't know how, but investigating online doing a google search, this happens a lot.

We will contact skype and try to figure out how to get his old ID back and running. But even if we do, I don't know how to stop this in the future.

If you have skype, make sure you're billing a credit card (not debit or PAYPAL please). And if you get a message that your password has been changed and you didn't change it -- you have been hacked!

I love skype and will still use it. But be careful.