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Of those vectors, I'm betting it's the keylogger. The only places other than the Internet she uses that card are Wal-Mart, the gas station
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The 'gas station' was where my bank reckoned they got my wifes cc number from ..... (she never purchases anything online so I know it wasn't related to online activity), peoples first thoughts apparently are 'internet theft' - but apparently the old fashioned approach is still one of the most popular.