But it does make you wonder … how do the thieves do it, and how might they have used your stolen card? A blowout shopping spreeOnce the thieves have a working copy of your credit card information, they are off to the races. ATM withdrawalsMost people assume that a stolen credit card won't be used for ATM withdrawals because those require a PIN. Only the dumbest thief will actually use a stolen credit card to have a big-screen TV delivered to his or her own home. All in all, if you think your stolen credit card will not be used online, you're in for a rude awakening.