When this happened to my Visa check card, the Secret Service told me that banks are almost out of numbers for the cards. All a thief needs to do is just pick a number and make a card. It took the local PD two weeks to call me and take a report for a case number. There isn't much being done about it, and the US Attorney had no interest in these cases until they reach the $50,000 level.
A recent SS arrest, locally, collared a meth head with the card making equipment. There are many more out there.
Often the theft is unrelated to any on line transaction or bank transaction, and has nothing to do with finding a receipt in the trash.
It is merely a matter of time and probability before you get hit. Keep track of your statements daily, on-line.
The Agent also told me that there were huge rings in Canada and the Middle East pulling this shit. The ass that got me was in Pakistan. These countries say that this is a US problem and they won't do a damn thing to stop it. Makes me wonder if I need to retire in Canada and just steal money........
Same thing happened to my brother, a cop, who had a card in his safe that he had NEVER used. Someone made a card and went out buying appliances. No on line transactions or lost receipts caused this theft, and no shredder would have prevented it.
Watch your accounts, check them daily. (it needed repeating)