Yes, I do have the 2-factor authentication and yes, I change my password quite frequently (and changed my passwords for all my accounts on various sites as soon as I found out about this).
Yes, I do have the 2-factor authentication and yes, I change my password quite frequently (and changed my passwords for all my accounts on various sites as soon as I found out about this).
Fraud like this is rarely that transparent anyway -- it's often part of a multi-step process to launder money (buy something with stolen money, sell it for legitimate currency) -- and you'll end up with the IP address of a proxy in Romania that's of no use to you or anyone else. It's also unlikely the person that used your card is the one that stole your card -- the numbers are stolen then sold in bulk on forums for $1-2 a card.
There is no bearded Ukrainian drinking his vodka and showing off how much gold he now has to underaged girls. He is long gone with his ill gotten gains.