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Good timing. Someone skimmed by credit card and took $1600 AUD out of two cash machines in $800 batches.

I've never used this card in an ATM so it must be from a store that swiped my card.

Here's my questions though, how did the fraudster know my pin number to be able to use the cloned credit card in an ATM?

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It's common to have cameras mounted to record you typing your PIN along with skimming your card. It's good practice to cover the pad with your other hand.

I have never put this card in an ATM. It must have been skimmed from a swipe machine in a restaurant.

I still don't know how they got my pin. I can't imagine anyone looking at my pin in a restaurant. It seems like such a hard and non-scalable way to do this kind of thing.

I think that a pinpad is not that hard to hack. OTOH whenever I read about skimmers getting caught, they seem to use really low tech methods - keen eye, perhaps aided with a mirror or a small camera.

All the keypads I've used in stores have been physically removable and I always cover. I'm guessing the key pad was also tampered with.

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