to tell the story of mine, my card had been fraud too and i never even register the card to be use online, and i never used it online. the thief is so clever than he spent all the item in a very small amount, hence then bank never called me up for the confirmation which ended me with a bill of more than RM2000 of all the small small item. But the stupid thing of the thief again is that he used the card to pay astro bill, maxis bill and other personal stuff. I am suspecting an internal fraud of the bank, but the bank never disclose who is the culprit and just wave all the bill which is not used by me.

most of the fraud is done internally and from WIFI the possibility is near to ZERO..