I think the case with me was simply not being on a secure network after an online purchase for my SAT scores. Dateline had a special on internet theft, and hackers can simply get your credit card information by driving around in the vicinity with the proper tools.
The scary part is that the FBI might be turning attention to this instead of homeland security (even though it should fall under the same category). It has been happening nationwide, and some suspect it is the employees at the clearing houses doing this.
All in all, debit for now on, until further notice.