An update: If I had lost the card on SXM I would expect it to be used there, as only the card and no identification would be required. To use the card number over the phone or internet requires the 3 digit code from the back of the card. I had not used this card in more than a week and never use it for phone or online orders. I have one card I use for those types of orders. It was used more than 1,000 miles from my home at 1am in the morning. There were two charges within 5 minutes for several hundred dollars when the card company detected it. The card was only out of my sight when a hard copy was being made behind the counter, out of my view. When someone has the card number and code, they tend to use it quickly knowing that it will be detected and locked down.