Been a while since I post here.
Finally is my turn to get fraud from Facebook and Karmaloop for my Amex. I seldom use my card recently. The last possible transaction where the card is not with me is at Dragon-i restaurant.
The rest are just normal auto-billing, payment at cashier (supermarket), at fuel-pump (not counter) for the past 2 months, where the card never leaves my sight.
Unless they randomly manage to generate my card number.
Other than that, the other possibility is, I inform MBB on my last travel.
Usually nowadays I don't inform, since I don't plan to use it. But this time, I need to use and inform MBB through calling the Customer Service. Could it be an insider job ?
Come back, filled up the fraud form, and got my new replacement card. Now wondering on auto-billing, since MBB says will auto transfer over, but Maxis keeps calling my home (not my mobile ???)

I don't think it is because of the call made to inform on your travels as they don't know your 4 digits number.
I am actually leaning towards the random generator.