i have had transactions on my credit card that are not mine,
i have reported to the bank fraud team and have sent me a new card,

i use my credit card on the internet,

what im not sure of is how this was done,

which is most likely?
compromised on a site i have used the card on?

or ,,,,, i have spyware on my computer,?

i run all virus and security on my computer, but nothing is found that might be the problem,,, though im aware that not all viruses and spyware are definatly found ,

one possibility i thought was could there be something in my browser posing as a genuine active x ?

appreciate any thoughts or advise on this