I'm concerned about neither. The bank's got my back.
Ever had a fraudulent transactions? They may have your back but it's a real pain in the arse.
Arnifix:Ajobbins: I would be exceedingly surprised if your cards were compromised as the result of a brute force (BIN) attack. It is very easy to detect these kinds of attacks and consequently, they are very rare (in over 4 years, I saw one or two and they were abject failures). It is more likely that it was compromised at a merchant that you had use and had subsequently been hacked.
Happy to try and answer any questions people may have.
Up until NFC my credit card has always been two factor authentication, i.e. I need the card and the PIN (or the correct signaure - but who does that anymore?)
With these new system it's gone down to one factor and this is therefore less secure than it use to be.