That is something I have also been pondering midnitesnake. There are only a small handful of places that our cards both get used, and they are not small ma and pop places, nor do our cards generally get used close together at any given place. It is also weird that the crooks made purchases using physical cards, I made sure to ask that bank about it. That is why I am now so curious as to what information a person would need in order to build a usable copy of my card. Plus all the thefts occurred 2,000 miles away, so it is not like someone ran my card through a reader, made a duplicate, then drove across the country to use it. I am leaning towards the possibility of a data breach from the bank, stolen laptop or something like that. I am in IT Security, so I have an understanding of how data gets compromised, stolen, sniffed, etc. I am trying to get an understanding of how much is needed to get used in my case and in this fashion.