It is really scary these days in credit card land.
I am staying with Liz Lawley and shared it with me. Guy gets lots of credit card applications mailed to him. He decides to run and experiment. He rips one of them up tapes it back together then puts his parents address on it and his cel phone number and mails it in to see if they will give him a card. THEY DO and he uses his cel phone number to activate.

Check his site to get the MAKER play by play photos on how he did it.

Basically any theif can steal your credit card applicaitons and get cards in your name mailed to them at any address and use a cel phone to activate.
We have some major security flaws to fix in this world.