I have never put this card in an ATM. It must have been skimmed from a swipe machine in a restaurant.

I still don't know how they got my pin. I can't imagine anyone looking at my pin in a restaurant. It seems like such a hard and non-scalable way to do this kind of thing.

I think that a pinpad is not that hard to hack. OTOH whenever I read about skimmers getting caught, they seem to use really low tech methods - keen eye, perhaps aided with a mirror or a small camera.

All the keypads I've used in stores have been physically removable and I always cover. I'm guessing the key pad was also tampered with.