Quote:
Originally Posted by GrumpyOldMan
If you use your card someplace and enter your security code, the bad guys could have captured that with something called the man in the middle, or by putting a bug in/on the CC reader, etc. A common method is putting a small reader in the slot of a gas pump to get the card number. They don't require the security code but do require your zip code. And many (most) people use their CCs in the home area, so the bad guys can guess the zip code. Lots of ways.
One thing I would suggest, from reading your question, is that you set up with your CC company to text you a message every time a charge is made using your card. Then you can catch it the moment it happens and report it.
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The 3 digit security code is unique to the individual card itself, and is not needed when you make an in-person transaction using the card. The only time you need the 3 digit code is when you are making a purchase online or on the phone where the merchant cannot see the card or swipe it. In the OP's case, it is possible that the scammer had a fake card with the OP's CC number on it, and, therefore, did not need to use the 3 digit code.