<prompt> Human: Hey folks,I was recently notified of fraudulent activity on one of my Credit Cards via the issuer, which were declined by my bank and I was able to cancel the card the charges were made in multiple states far away from where I live. Sidebar: how does someone use a credit card at a retail store without the physical card?I thought maybe my card got skimmed somewhere as I almost exclusively use that card at any retail situation, which is a bummer and a hassle but getting a new card isnt an issue.However, a few hours later I got a notice that someone had tried to get into one of my other bank accounts but was locked out from wrong passwords. The troubling part is that I havent logged into that account in years as it just houses a loan on autopay. How could this person have gotten access to my account number? It doesnt seem to be a keylogger as I dont log in to that account, plus the account password would have been somewhere on my machine if they had access to it to begin with.I dont really know what to do. Ive run the annual credit report and havent seen anything out of the ordinary, but I did notice on my Credit Karma account that my credit score dropped 30 points over the past week but I didnt see any new inquiries and I have no idea why. Any suggestions would be great if anyone else has had a similar experience. Im also quite concerned they may somehow have gotten my SSN but I dont really know of a preventive measure other than changing all my account information.  <response>: how does someone use a credit card at a retail store without the physical card?Card duplicators are a thing.As to what to do to solve the problem, Id recommend you place a fraud alert right now; see for how. 