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Was this a debit card or a traditional ATM? It is possible to copy the data on a magnetic strip on the back of cards. It's possible whoever mined that data got your number by watching you push the ATM code. To do both would be very tricky, which is probably why your bank hadn't experienced that type of fraud yet. I bet they'll be seeing more cases of it in your area. When you used it for gas, did you have any trouble? Had you or anyone who uses the card ever have any trouble at an ATM machine, particularly one of those stand alone types that they'd never seen at that location before? Sometimes crooks will set up fake ATM machines that don't actually work, and while the victim tries to use the card, it records everything along with the pin number.
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