<prompt> Human: My bank cancelled the card and will credit both transactions. Im just curious how its possible to make a card present transaction without having the physical card. Also, how does a bank investigate this? Do they do it at all?  <response>: Note, I am not saying you did anything wrong, I just explaining how this can happen. If you used your card at an ATM or gas pump that has a skimmer installed, a criminal can obtain the information on your credit cards magstripe. Once they have this information, they can use it to recreate a card with the same information. Your bank wont investigate, usually they just have you file an affidavit and they refund the money and issue a new card. 