I did search for "Payback", but maybe it works less well on a mobile phone. Thanks for moving my post, it's in the right place now.

Indeed, the points shouldn't be hoarded, probably best converting to miles or cash as soon as possible. A manager in the COOP supermarket in Switzerland told me the same thing, don't build up a big stash, use them quickly. If the account gets hacked there is no restitution. Any ideas what could be causing the thefts other members have been experiencing, other than them being careless?