I had the same happen to me twice via a BofA CC and a Wach/WF CC. In both times the CCs were cloned likely by a handheld skimmer. I never filed a FA because they didn't have access to my credit. But I did call the police both times despite the CCCs catching and blocking the charges and of course had the CCC issue new CCs. I also ordered my reports frequently following that just in case it was something bigger or more coordinated.