I would check your charges well before the fraudulent ones started. Most likely someplace you bought from weeks ago could be at fault, or a website you bought from wasnt secure enough. Most thieves start with a couple simple test charges that quickly get returned to your account (yahoo wallet was one I saw on mine, it was only like $2, and would slip under most radars). Then like a few days later, if the test charge(s) on the card are successful they will start using the card number as much as they can because they now know it is good. On top of that, most thieves dont have the stuff shipped to them directly, they just pick someone else's house to send it to under a false name and just grab it off the doorstep when it shows up after tracking it. Lots of nasty thieves out there taking advantage of people.