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for me stealing implies change of possession. this does not apply here. what might have been taken is the possibility to monetize it the way they imagined or that they had been hurt by the PR afterwards and similar things. but nothing has been stolen everything is still in place were it was before and nothing is missing except for some of the confidence in their infrastructure security.

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"Hello, I'm calling to report that the 16-digit sequence, expiration date, and 3-digit security code of my credit card have been replicated and are now known to persons whom I did not give permission to utilize."

"Sir, are you calling because your credit card was stolen?"

"It was not stolen!! I still retain possession."

... "hello, my credit card data has been acquired and used without permission. I still possess the card but want you to freeze the account and a new card mailed to me afterwards."

do you see how this is just more accurate?

So I'm reasonably sure that if you dont cancel the card after losing possession, you can be held liable for transactions that occur with the card at that point. Especially if your PIN is also compromised.

You're not liable for transactions that occur fraudulently when you still retain possession of the card.

So yeah, it's an important distinction.

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