Originally Posted by
M60_to_LGA
Not necessarily. People have their cards compromised all the time in all sorts of ways. The number could have been taken months ago and put on a list somewhere. I've heard of people having fraudulent charges on a card they've never used. It's hard to pin down exactly how card details get stolen.
A while back, I had a card get compromised because the third party billing system my county had been using to process online water/sewer/trash utility payments got hacked. So card fraud issues can indeed come from pretty much anywhere.