I know everyone wants to protect local business but the most common credit card fraud is committed when you are handing your card to someone, especially when you are out of your element. Sounds like OP never uses this card out of his site and knows for sure that they were the only ones to have touched his card and seen the back of it. This has happened to my wife and I numerous times with gas stations in NJ, we cannot pump our own and must surrender our cards to get gas.

The last time my card was stolen it was used in Brazil and Boston on the same day. I haven't been to either recently. To discount OP's problem as not an SXM issue is nuts. Rarely will a card be used where it is stolen, the numbers are sold and then re-sold to the people who are using them rarely where they were stolen from.