CHATGPT fraud subcription

I got unauthorized transaction “CHATGPT SUBSCRIPTION” for 23.80 USD + another 1.00 USD from PICMONKEY.
I never used my card with ChatGPT, which means I didn’t insert any of my card details. I never used ChatGPT or PICMONKEY.
How did this situation ever happen? Who used my card details and how and by whom they were revealed?

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Same happened to me - never ordered, haven’t shared my details and when my bank app asked me to confirm the payment, I rejected that 3 times and it kept popping up and the money was deducted anyway. I have been trying to contact OpenAI for a few days and have no answer.