Quote from Monica in The One with the Fake Monica
Monica: How'd someone get your card number? Monica: I have no idea, but look how much they've spent. Rachel: Monica, would you calm down. The credit card people said you only have to pay for the stuff that you bought. Monica: Still, it's just such reckless spending. Ross: I think when somebody steals your credit card, they've kind of already thrown caution to the wind.