Sorry this happened, CreditCuriosity. Unfortunately it can happen to anyone whether it's luck of the draw with random generation, being skimmed, or having a business that you have done business with in the past compromised.
As much as I have swiped over the past few decades, I've been lucky. It's been a number of years now, but Amex Gold was compromised twice. The first time was for four first class tickets (tens of thousands) on Lufthansa about 15 or 16 years ago; Amex approved the charges but called me to make sure it was me after the fact since it didn't seem like me at all back then (while it would have been more plausible in recent years, wrong alliance and you know I'd be using rewards). I was actually kind of flattered that they approved the charges back then. 😂 Then maybe 5 years ago they called me because someone purchased about $100 of Dominos Pizza somewhere in the Midwest minutes after I made a card-present purchase somewhere out in the suburbs of Boston. <sarcasm>I know I'm not one to sing the praises of Amex</sarcasm>, but I have been thoroughly impressed that after 20 years I have never had a false positive and they called me immediately the two times it did happen.
The only other time was summer 2019 and I think my CSR was skimmed and a duplicate card was made after using it in the Seaport. It hadn't been used for a few months at the time, but starting the day after I made that transaction it was used to the tune of 4 digits over the next few days for some large bar tabs, MBTA subway passes, gas stations, etc. in the Boston area. I caught those myself and Chase didn't, but I did finally get a declined transaction text right as I was getting ready to call them.
Sorry to hear this. I used to be a target of fraud until I stopped storing any of my cards online at places I do business with.
