How does card fraud happen?

[Plunko]

Someone spent just under £300.00 using my bank card at a Waitrose service station shop the other day (14th). I have my card so it's not lost.

It can't have been an online purchase/click and collect due to it being a service station on the M1.....how do people do this. Who spends £300 at a service station supermarket.....surely that looks well dodgy!?

I've reported it to my bank who have cancelled my card and hopefully get the money back this coming week.

I used the card in a service station about 40mins away from that one on 11th at Pret & M&S so can't see it being cloned from that. Apart from that I used 2 separate cash machines (one at petrol station and one at a Tesco just over a week ago).

I just get so angry at these thieves! Thank goodness they didn't wipe out my account!

Someone has cloned your card. Petrol stations are notorious for doing this! Have you used it at a petrol station in the past few months?

Yes, I use this card for petrol all the time! Usually Tesco, Morrisons or a local Texeco.

Cash back

Your card was cloned, used to pay for petrol and then cash back

It was used for one purchase of just under £300 in a service station Waitrose shop, not for petrol.....this is what I don't understand. Have they literally made a copy of my card...they must have had the pin number. Makes me think it much have been copied from a cash machine!

This type of fraud is increasingly common.

There are numerous sources of card information. Skimming is very common. Most likely you used a pay at pump which had a skimmer attached, then they just make a clone of your card.

Contact less cards can be 'skimmed' and cloned

https://www.telegraph.co.uk/money/consumer-affairs/how-avoid-contactless-bank-debit-credit-card-fraud-scams-2022/

Cask back, on top of a purchase of a relatively small item (or a tank of petrol), will still only appear as one transaction, if it was done at the same time as the purchase

Person 1 clones the card in petrol station A, then let's friend 2 know in petrol station B what the number is, then friend 2 takes cash or petrol out with the cloned card number. You just need to think out of the box.
My friends card was cloned in New Look or similar, and used to buy phone credit back in the 90s. You just need a dodgy mate!