Someone's stolen my credit card details

[LifesTooShortYOLO]

Last night I was alerted to several transactions on my credit card from an un known company.
I've spoken to the Fraud team today and they have refunded and cancelled the card and will look into the transactions made but can't tell me how it happened.
I could understand if I had had my card stolen
Or lost but how has someone manages to get my credit card details online?
Can someone who knows about this tell me how they do it or the most common way that cards get used but hackers?
The bank man said something about storing my card details with company's?

Did you click on a link in a text supposedly from Royal mail or Hermes that was actually from a random mobile number asking for a delivery fee? A lot of people are stupid enough to fall for that.

Or have you been chatting to a Nigerian Prince who's told you that you are due millions of pounds?

Have you checked the legitimacy of the address when doing online transactions? Use common sense when receiving emails, clicking links... Etc

I had this recently, only ever use the card for supermarket shopping, school payments etc. No clue how they got hold of them.

My business card was fraudulently used recently, Lloyds said it had been very common recently and although they obviously couldn't sat for definite all the victims had Amazon in common...

Either your card was cloned at a cashpoint or when putting your PIN in at a shop, or yours was one of a batch of card details sold on the dark web.

Thanks for the replies.
I don't use ATM's so it can't be that.
Use online shopping a lot including Amazon.
I just can't get my head around how they get your card details 😩

I’m old enough that I’ve had this happen a few times now, on average about once every 5-6 years. They can steal your mail, a website breach, a store clerk or waiter who gets your card for even a few moments.

Since we put everything on cards and pay in full each month, we keep multiple cards going simultaneously. Not only does this let us maximize our rewards points, one card is better for restaurants, another for online shopping, if one card is compromised, we have other active cards during the lag time it takes to get a new card issued.

The first couple of times I was in a tizzy. The last time it happened. I just sort of shrugged my shoulders and resigned myself to an hour of resetting my auto-pays.

@Blossom64265

I’m old enough that I’ve had this happen a few times now, on average about once every 5-6 years. They can steal your mail, a website breach, a store clerk or waiter who gets your card for even a few moments.

Since we put everything on cards and pay in full each month, we keep multiple cards going simultaneously. Not only does this let us maximize our rewards points, one card is better for restaurants, another for online shopping, if one card is compromised, we have other active cards during the lag time it takes to get a new card issued.

The first couple of times I was in a tizzy. The last time it happened. I just sort of shrugged my shoulders and resigned myself to an hour of resetting my auto-pays.

What do you mean re setting your auto pays? Do I have to do anything?

I have a bunch of things that bill automatically each month to my credit cards instead of to my bank account. We don’t let anything except our paychecks touch our bank accounts. It’s just a little extra layer of security we learned to keep in place. So something like a class for my child bills to my credit card instead of my bank account and then I pay the credit card in full.

I had a friend get burned by direct debiting when it was first introduced. Yes, he got all of his money back, but he had absolutely nothing during the time it took the bank to restore his funds. His rent was due, he needed food and petrol. It really exposed the risk to us. So we don’t use debit cards and we don’t allow direct debiting. All our monthly payments go to the credit card and then we pay that.

I did finally acquiesce and create an account for direct debits because sometimes they are unavoidable but I only transfer exactly what I need into it. So if I need to send money to a friend or to the parent organization at school, I transfer money to that account and send it from there.

Yes, I had a thread on here when DH's card was cloned. The bank account was almost wiped, then the remainder was frozen while they sorted it. Fortunately, we had another account and all the transactions made were to shops we never shopped in, so it was sorted very quickly.

This has happened to me as well.

The credit card fraudsters just seem to be getting better. It's super annoying.

Only thing you can do is avoid clicking on any links, refuse to discuss anything about your account in response to an incoming call, check your statements regularly, and then if there is an issue, call the number printed at the back of the card. You'll have to cancel the card and get a new card number. It's a pain, but unavoidable.

I had that too. It was on a card I hadn't used for months. I had 3 calls about fraud from the card provider but I thought they were the scam. I had a statement and they'd already refunded the transactions to me but charged a small amount as they were in a different currency. I rang up and got this bit refunded too.

I was sent a new card.

The card never left my handbag and I hadn't used it for at least 6 months. So annoying.

My credit card details were stolen after a ticket master payment along with hundreds of other customers who suffered a data breach. HSBC were great, called me to verify an unusual transaction, a £500 payment at sports direct, and then stopped the card immediately. New card arrived following day and no fuss.

My credit card details were "skimmed" in a petrol station. It was the only place I used it. My credit card company alerted me to it as it was unusual activity. They cancelled my card and refunded me. But then about a week later they allowed further transactions. I stopped using this company.

I had this and the card company couldn’t explain how they got my details. I took the card out for the balance transfer. I NEVER used this card for any purchases, never took it out of the house at all. It wasn’t stolen - I checked and I still had the card. No idea how they got my details and the card company couldn’t explain it either.