Stop in for a cup of coffee

H
Riddle me this batman............................


a fraudulent charge from a debit card of my wife that has been sitting in the safe for over a year, not even removed from the paper it arrived on. It is a card from one of my MIL's accounts. How is this even possible?
Here the card gets locked if its not used within 30 day after issuing. I cant see how a dormant card can get used.