The other actually happened to me recently, my wife answered one of those automated bank texts checking on a transaction with no, which cancelled the card (and marked it stolen), and I tried to use it before she told me about it.
But yeah those are the only two I can think of and yours is the case 99.99% of the time.
But yeah those are the only two I can think of and yours is the case 99.99% of the time.