In a mountain town in Tuscany, there was a weird character hanging around the ATM. But we didn't pay attention to the signs. Almost 100% sure that's what our ATM card got skimmed. He even went back to the machine after we left. How stupid could we be. It never occurred to me. I thought the guy was just a random idiot.
In the US I'm not sure where it happened. Somewhere along the line, all of a sudden I was getting contacted by American Express. Interestingly, the Apple Watch link to my card still worked so American Express could cancel that card but I could still buy things with the watch.