"This form of credit card fraud occurs when a thief gains access to your credit or debit card number through criminal hacking, dumpster diving, ATM skimming or perhaps you simply hand it over when paying at a store or restaurant," says Robert Siciliano, identity theft expert with BillGuard, a financial security service.
http://lifeinc.today.com/_news/2013/02/10/16900495-identity-theft-not-as-funny-as-in-the-movies?lite