Sometimes cards are canceled and reissued without a fraud perpetrated. We used a card recently twice at the same place on the same day and that threw up a red flag. Our card was canceled and reissued in spite of us calling and reassuring the bank it was us using the card. We agreed with their better safe than sorry stance. Text or email alert on card use is the way to go.
I might add, thieves can obtain card numbers with hand held skimmers in restaurants, stores, etc. And they have technology to drive through neighborhoods, hack into WiFi accounts, and steal personal data. It's not always the server(s) doing the stealing, though sometimes it is.
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