> For the fraudster to receive any funds from my account they would have to go with that data somehow to my issuing bank and have their transaction request acce

> For the fraudster to receive any funds from my account they would have to go with that data somehow to my issuing bank and have their transaction request accepted. Not quite. The one who gets your card info probably won't use it. They will more likely sell it. If the person who buys it can't use it, whoops, too bad.