must be that time of year , 04:00 Sunday a charge for 49.99 appeared on my card , noticed it Monday , called bank , getting new card , I have 3 reoccurring charges that hit that card monthly I will need to get those changed before they want to pull if I get my new card in time.
this was some sort of 4wd and UTV parts place I had never ordered from
servers and databases get hacked
card info gets stolen by skimmers at gas stations and such
use it at a restaurant , the waitress takes a photo of your card front and back and either sells that info or uses it , even easier for them to sell it harder for them to get caught , why many restaurants have the terminals they bring to your table now.
you order over the phone and it gets written down
lots of ways , and it could have been any time while you had that card it was compromised
last time I had this I had gone on vacation 2013 , and then 2 months later my card was tried at a Walmart near where I went on vacation so it was fairly clear where it happened , I used it on a few things on that vacation the only time I could think that it was out of my hand was at a gas station that was pre pay only that the reader at the pump wasn't working well, guy held your card behind the bullet resistant glass while you filled up , probably taking your info down for later.
another reason you fill the tank when you get down to half so that you have the option to drive away if you don't like the station.