Hi so yes I double checked. I have my physical card at home with me, never lost it, haven’t used the physical card in forever. The charge was at a local convention center, I’m at home and have been since 4pm. I’m confused at how it could have even gotten to my Apple Pay. I’m guessing it declined because the person didn’t know my pin. It’s not on my bank statement. Just my wallet statement. Idk how this happened. Any ideas on anything I can do to make sure nobody tries to have a joy ride on my card would be appreciated. I can’t even begin to think how my card would have been on someone else’s Apple Pay. My card doesn’t leave my wallet unless I need it because I use tap to pay on my phone all the time and not on my card.
Edit: so people telling me to call USAA. It doesn’t show in my statement for USAA so they wouldn’t even know about it. My physical card is there so they have it on Apple Pay, with Apple Pay you need to know the pin to use it so unless they got the pin too I’m not too worried. Just thought it was weird. If the transaction went through I would be calling Apple rn because my bank got nothing to do with this one.