I also use my local credit union. They notify me of any unusual credit card activity.
They stopped payment twice on my hacked credit card number. Apparently G. Washington bought 2 Xboxes at a Best Buy in upstate NY. I didn’t know he was still alive.
The 2nd time a trucker in Little Rock bought 300 gallons of diesel on my card.
My cc was compromised twice after visiting a local restaurant. Told the Mgr what happened and he disavowed any knowledge. I told him I was done eating there.
Restaurants are always a pain. A couple of our favorite restaurants (during COVID) switched over to allowing customers to insert/tap/slide their own cards, if they wanted. They have maintained that policy ever since. Inserting a chipped credit card myself is a bit more comforting than having the card be used by the restaurant out of sight.
“local restaurant”
It is likely the manager did not know anything about it—probably an employee stealing the information and selling it.
That is one reason I have never been comfortable using a credit card (or app) at a restaurant.
There are too many poorly paid young employees—odds are too great that they will have the skills and motivation to steal the account information.
That exactly the kind of service you want! :)