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It doesn't necessarily have to be an online site where your card info gets stolen. Could be a gas station, restaurant, or retail store. I had mine stolen one time while driving through Massachusetts -- had to be either the motel, restaurant or gas station we used during an overnight stay.

I am having login issues, too. I posted my issue here.

Mobile Firefox on my Android phone works great with the site, too. I have not seen the need for a mobile app.

Welcome, Colin and Jonathan. As you can see from the responses so far, this is a tight knit online community with quite a few long time members. Personally, it's my favorite Internet site. I look forward to your future contributions.