Don't know how, but the debit card attached to my mystery shopping bank account got hacked. I don't know how it happened, as the card is still in my possession. I found out yesterday when I got a notice that my Market Force payment had arrived and logged in to check my balance. I saw a debit at a Wendy's in Chicago for $7, so I called the bank to find out what was up. I don't have overdraft protection on the account, so if the money is not there, the card will be declined. I almost busted a gut laughing when the bank assistant went down the list of how many times the card was attempted to be used and declined. They started out trying to buy a $2000 TV, then some furniture, then some appliances, and eventually had to settle on a $7 Wendy's combo. I am still grinning imaging the frustration of the thief as they tried to steal my money time and time again! BTW, the bank is covering the fraudulent Wendy's meal.
Paul, I'm sorry that happened to you, but I am very happy at the outcome!
I use public wi-fi (don't know why, I have unlimited data) because my phone is encrypted. If hackers try to get into my phone, they will see a bunch of junk.