As I said really, this is a scam.
The fact that you have never had any financial dealings in Nigeria really seals it. After all, why would anyone in Nigeria have your card?
There are literally thousands of these scams and they vary from a friend who is stuck in this country in need some money to get a ticket to come home to a long lost relative who was left you millions of pounds and you have to pay £X to release it.
The other one which is quite common is that you have won some money in a lottery that you have never even entered and you have to send more money to get your winnings released.
Often, these money requests start with a relatively small and insignificant amount and then there is a "problem" with customs who require some money for a permit or licence or whatever, and that amount of money is a bit more, and then there is a further problem which requires even more money.
I get emails all the time telling me that my PayPal account has been compromised.
They asked me to login to check my security details, but in actual fact, the site you login to simply takes all your details and the scammers then empty your account.
If there is a problem with any of your credit card accounts whereby the credit card company thinks that you have been the victim of fraud, they will telephone you.
The moral is that if you have no knowledge of it, ignore it.