Last night, someone tried to charge $360 on my Credit Card from Nike. The card is shut down. I've never had this happen before.
Now to return to hand written checks. :(
Gwen
Someone knocked over my Credit Card
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Comments
When my card is compromised ...
... the issuer cancels the number and issues a new number for me. Bad thing is that it takes a few days for the replacement card to reach me. :( So, I try to have a second account number active so that I can use it in the interim.
Sara
Between the wrinkles, the orthopedic shoes, and nine decades of gravity, it is really hard to be alluring. My icon, you ask? It is the last picture I allowed to escape the camera ... back before most BC authors were born.
Easier
It is easier to get credit or money back if it is a credit card than if it is a debit card. Earlier in the year, I had my debit card information stolen and used for over 350 dollars. It took over three weeks to get the money back in the checking account and then another three weeks for the fraud division to sign off on the return. To add insult to injury, they hit the overdraft prevention account which is charged interest to use. So had to pay interest on the stolen money, something like 30 dollars.
It depends on your bank
I have an app on my phone that tells me every time my card is used without the card actually being present. My bank also sends an email with that same information. I have a few things that automatically charge to my debit card so I like the alert because it lets me know when they hit the account.
I did have someone hit my debit card and I went to the bank that same day. I had made a printout of my recent activity and could show them exactly what charge I was disputing. They immediately restored the money, issued me a new temporary card (actual card came by mail a week later.) There was a hold on the money until they could verify that the goods delivered to an address across the country from where I lived; about two weeks.
My bank offers the same protections for purchases with my debit card as they do with their credit card. Still, where ever I can online, I pay with the dreaded PayPal, because the only information that passes over the internet is my email address.
Hugs
Patricia
Happiness is being all dressed up and HAVING some place to go.
Semper in femineo gerunt
Ich bin eine Mann
I've had this happen 3 times
I've had this happen 3 times this year, the good news is it hasn't cost me a cent.
Malware
If it has happened to you that often, and that recently, then it is likely that you have malware on your PC, or whatever you use to access the Internet.
Every time you get a new card, they just pick up the new details again, wait a while for you to relax and then have another go.
I would suggest that you do a thorough review of your habits, like the shredding of receipts/statements, etc, and have your hardware and software checked out. You are being targeted, and there must be some way they are getting your updated information each time.
Penny
Same here
I had a 'fraudlent' transaction made on my card just a few hours before I was due to get on a Ferry to go on Holiday last month.
I've used that card only for travel expenses for years. I'd just paid for my Hotel when I got a call from the credit card company.
That scuppered me using the card while I was in France and Italy. Dammed inconvenient!
These things happen to the best of us so as long as your CC Company is clear that it wasn't you and the incident does not affect your credit rating, just accept that it is one of those things.
Samantha
Debit Card scanned
I had my debit card scammed whilst I was in the pub did not use the card there so I think somebody sitting close to me had a scanner hidden on them, I suspected a group of four women who kept jumping up and moving about the pub sitting down for a few minutes and then returning to the their, original seats. The bank text me with about the suspicious deduction from my account within 30 minutes of it happening. they blocked my card a soon as I confirmed that the deductions were not authorised by me. within 2 days I had a new card and the money was places into my account within 2 weeks. I now have RFID cards in my wallet. I also informed the police about the unusual behaviour of the women with descriptions all four are now doing time. And the banks closed their accounts permanently. That's what I call poetic justice, they are also banned from all pubs and restaurant in the area for life.
ELIZA
Contactless cards are a huge security hole
It has been proven many times that someone standing next to you can scan and slurp all the cards in your posession without even needing to touch you.
Getting an RFID blocking Purse or Wallet is IMHO a no brainer. While you are at it, get a blocker for your passport. There is an RFID chip in most ones these days. [1]
OR you could get your banks/cc companies to issue cards without Conactless capability. Just tell them that you think that contactless is a security hole and they should let you have one.
I have not made a card based contactless transaction. I do use Apple Pay instead. This is far more secure than plain contactless.
Samantha
[1] I bought a wallet and a passport cover for under $15 a few years ago.
Contactless Security
The way the technology in a contact less card works is actually fairly secure. A cardholder’s name, three digit security code on the back of the card, and billing information like zip code are never transmitted which means it's fairly secure against being used online, and from what I remember, they could maybe get off one physical transaction with a faked contact less card and only if the faked card was used before the real card. That's part of the security of the technology.
-Piper
IT is wider than that.
Once they have your card details, they can be sold and used all over the world
Then they (the thieves) will have a lot of information about you. Where you bank, what credit cards you have and possibly more.
Then it is a simple step to steal your ID. They could notify your bank of a change of address, apply for new credit cards or worse.
Never doubt the ingeniuity of criminals.
Samantha
And the alternative is what?
And the alternative is what?
For all the fearmongering and harping about security, people rarely offer solutions. You say you use Apple Pay yet that's been proven vulnerable as well. Thieves are crafty, you think you are safe with preventative measures but short of using proxies and fake identities you are vulnerable no matter what you do.
It's either accept that it MAY happen and try your best to mitigate things or live in fear. No matter what you do, you are still vulnerable so long as a trace is available somewhere online even in the most secure systems.
I'm told STFU more times in a day than most people get told in a lifetime
That Bites!
I can feel your pain! When Anthem (Parent company for BC/BS Insurance) had their data base breached, I was one of 250k who had their identity stolen. We are talking all info. SS, bank info, the whole nine yards. They tried to max my CC, transfer the cash advance to my checking, change my passwords and pull the money to the tune of $45,000. Luckily, I had set up a two change limit on information to my bank accounts and when they tried to change the password it threw up a red flag. It still was a PITA as my personal business CC was compromised. I now have Something like Lifelock from two different sources. I am fortunate that I didn't suffer any long term effects or loss of cash.... this time. It is Never fun to go through. Unfortunately my threat will always be out there as the information just keeps getting resold and new hackers try again. You probably don't want to know what I would do to a hacker if I ever caught them in person. Bullets might be involved.
Francis G.