FYI - at least halloweengroup wasn't the cause for new credit card - seems a database was hacked/stolen -

BBB sent letter stating they can't seem to find halloween group - no reply to their requests.

Credit card company is now taking the issue.

And AG of PA don't want to mess with credit card complaints according to their web site - but I'll put in a complaint afterwards just so they have the info on these clowns.