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That’s a good list, but I have to say I pass the test on all of them and it still happened to me.
If the leak hasn’t been done on your computer then Neteller is 100% responsible of their systems.
Edited to add: I’ve forgotten, maybe a merchant is at fault, but I don’t understand how someone got your password. For the secure ID, OK, but the password? Was it made of a combination of words/names?
(make me think I need to add a #6 rule)
I’m currently reading the thread you pointed.