<prompt> Human: so I get a call from my bank that somebody tried to use my card to pay 500 at Macys in California I live in Florida. I checked my account and saw two more unauthorized transactions: one at a Burrito place, and another at a movie theater. 1- why the fuck would somebody use stolen card info for burritos and movies?!2 - these are point of sale transactions, and I still have the physical card. How could they replicate the physical card? I use it at restaurants a lot... I suspect the staff  <response>: 1. To make sure the card is valid before they go for the big score.2. It could have been skimmed, it could have been from a BIN attack Youll probably never know for sure. It could have been restaurant staff, it could have been a skimmer at an ATM, a pay-at-the-pump gas station, or pretty much anywhere else you swipe your card. Most restaurant staff arent skimming cards. They have too much going on and its too easy to track it back to them. Not to say it doesnt happen, but there are so many other equally plausible places it could have happened. As for getting the information onto a card, its a trivial task at this point. It costs a couple hundred for the machine and a stack of blank cards and only takes a couple seconds to transfer the info onto the card if they already have your data. 