Info on your card was most likely lost from someone you do business with. Probably nothing you did wrong. It happens. Don't sweat it.

Folks can do a lot to help themselves however. I was in the credit / collection / ID theft protection business for many years. Here's advice I follow and give to my family, friends and customers.

Have your card with a LOCAL credit union or bank. Some place you can actually walk into their lobby if you have a problem. Shy away from the big corporations.

Avoid the "auto pay" stuff. It creates you problems just like you experienced and described.

Pay attention (like you did) to emails, calls and your statements. Take action when you question something.

Enroll is an ID Theft product that not only monitors this stuff but also will fix your problem when you become a victim. Most folks lose no money when this happens but the time and effort it takes to fix it is the real aggravation.