Changing your credit card is one thing. It's annoying as hell... But the worse is if you end up wondering whether or not your e-mail info and password and whatnot has been stolen, especially if you use the same e-mail on various systems. I know I try to change my password on different websites I use, but seriously, I have a document to keep track of all the websites I have accounts on and it's like 10 pages long... There is no way I'm going to have 10 pages worth of passwords and always have to refer back and figure out cross checking decoding what the password I used might be. This is so annoying too, with every website ever requiring you to have an account to do anything nowadays.