It's like trying to get the correct combination for the lottery,what's the chances of that with seven numbers,never mind my 16 numbers on my card,plus three digit security digits and my address...and to top it all my card has not be stolen!!!
It's not as difficult as you might think.
I'm not going to give out full details (for obvious reasons) but just by knowing one credit cards details (even your own) there is a simple way to work out the numbers of the cards generated after (or before) that, the expiry dates are the same and the postcode only uses part of it to check, so can cover a HUGE area.
The security code is a little more tricky, but there is a way to bypass that as well.