Losing a credit card is already a pain because it takes time and money to cancel and replace the card but if on top of that someone manages to rack up a bill on it, it's even more frustrating
Context: I lost my credit card this morning and someone charged 100 dollars on it.
Hypothesis: I am so let down that someone managed to use my lost credit card and charged $100 on it

Is the hypothesis incorrect? (Yes, no, or unknown)?