Standard Bank Inside Job?

Recently got new cards after being hijacked. New cards arrived quickly and everything was handled seamlessly. This happened at the beginning of July 2018. Fast forward to mid-July, these new cards were cloned since getting them (or my hunch, before receiving them, suggesting an internal job). There are repeated transactions on both the new cheque and credit cards at Gosforth and Dalpark plazas. All the transactions are R12 and R11 as to not draw attention through sms updates, etc. I have cancelled both cards since being aware of the suspicious transactions and through various complications the cards have been reactivated and subsequently deactivated, which caused more transactions to go through. I am waiting on the ***** investigation and expecting further remedial actions later today.

How this happend baffles me, seeing as I: - both cards was/is in my possession the entire time - made few transactions, 4 at max on the credit card during this time, more transactions on the cheque card though, but all of these transactions non related i.e. different places (arising suspicion of how one party could attain both the card details)