My friend and I work in the US at a worldwide corporation that sells IT software to businesses. He had a fraudulent charge appear on his credit card in Australia. It seems the person who stole his credit card number works for the same company at a location in Australia!
While using his work PC which runs on the company network, my friend had more than once entered his credit card number on a secure (https://) web page while making personal purchases at work. The implication is that the Australian had access to the network and collected information for his own gain!
I did not think that this was possible!
If there's a keystroke logger on the PC, and the Aussie has access to it - it's entirely possible. That's why one should NEVER use a PC or device they do not own and have total control over to do online commerce.
keylogger is what I have in mind too.
While on a fly-drive trip visiting colleges in the S.E. US last fall, my son and I checked into our 1st hotel for the week long trip. The desk clerk told me my card had been refused and ran it again, same result.
I called the credit card company, as soon as I gave them the card number, I was switched to another person.
After answering all the security questions, the person thanked me and told me the system automatically stopped my card. "Did you make a $.99 US charge in Australia 20 hours ago, did you attempt any transactions in the past 24 hours"?
No and No.
"It appears your card number has been stolen. We will send out a new card and you should receive it in 5-7 days".
This was the only card I had (during my divorce, I cancelled all the cards and got only one new one).
I explained that to the person, told them what we were doing and I needed a credit card.
It was set-up so the card was not useable until I called a special number, gave them a code, the name of the merchant and the amount. The merchant had 50 seconds to run the charge, when it came through it was approved then the card deactivated again.
When we got back home, I called, they cancelled the card and sent out a new one. I thought all of that was very good customer service.
6 weeks later I was talking to them about a dispute and asked about the incident. I was informed it looks like a program was just trying random numbers, running small charges and if a few went through, the thieves knew they had a valid card number, well almost. The goofs got a few good numbers, but ran them all (one after another) through a website known for being used by credit thieves. And the card providers had been working on stopping charges from that site, but what about legitimate charges by a card holder?
I'm to the point where I use my credit card for everything, with getting bad and/or misrepresented products and the protection the card issuers provide in the event of hackers, why not?
Someone stole my sister's credit card number and used it for 2 small purchases. Apparently, for some reason, they do that before they buy something big.
Credit card companies know this and recognize it as suspicious behavior.
My company logs every stroke you do. The same thing happened to someone at work. What they didn't know is that the company I work for also has an audit department that watches the group that watches everyone else. They caught the person in the department that watches everyone and that person is in jail.
We have three different Debit cards, of which one only has a very limited amount in the account. If we need to make a purchase online (or one under questionable circumstances), this is the one we use.
If the purchase amount is more than what the account holds, a quick $$$ account transfer from one of the others temporarily solves the problem.
We found, if the account is going to get hacked, it's better to lose just a few $$$'s and close out this account, than having to contend with and solve the ongoing problems with the other two which contain most of the money.
Friends took a trip to New York and we met them there. We both used our cards for a trip on Gray line while in New York. We both had small purchases used in California for $1 at the same gas station.
My card company called me and asked me if I had made an internet purchase for $1200 in UK. I told her no and she informed me of the $1 purchase at a gas station in California just before the internet purchase.
She said she would cancel this card and send another, just as the above post, so I said ok. She told me it would be a couple of weeks before I received my card. Well I wasn't thinking. I make all my purchase and trip plans with this card and had an order in to Amazon that was not shipped yet. Amazon sent me an email asking what I wanted to do because the card was declined. I canceled the order and ordered again after I received my new card ( I refuse to put my debit card on line for anythig).
After all the inconveiences I now have two cards. Did not know why I would ever need two before but now I know. Always keep an unsused card for this purpose. Never know when you will need it.
By the way, our friend had American Express and the replacement card was shipped out overnight!! I know American Express isn't taken by everyone so I don't have that card but it would be nice if all card companies would do this. If it happens again I will pay to have it sent overnight.....
When dining out at a restarant - be aware that when you give your card to a waiter/waitress, that they now have access to the 3 digit CCV code on the back of the card. That code can be used to make big purchases on line or from a counterfeit card.
Sombody got the number from one of our cards. They purchased $99.99 at ITunes, but the CC co. caught it and flagged the card. Good thing we have more than one card, as I discovered it when I went to buy gas at Sam's Club and it was refused. Called the wife and she called the CC co. Got new cards in 3 days.
Pay at the register when you can and watch your card closely.
I had a card denied while on a trip. The hotel tried it again. No good. I used another card. Seems like someone in California tried to use it for a suspicious purchase. My bank does not have my cell phone #, so they cancelled the card. As soon as I contacted them, they sent me a new # right away.
Never thought about that. I do not carry much cash but maybe that is now the only safe way...
OK, now I should carry both cards on vacation??? I guess you are correct about that. Learning lots of things, not just GPS on this site.
Great site isn't it!!!!!
I also carry my debit card. Good thing. As we were checking into a mom & pop motel for an extended stay in Fort Pierce, the gentleman said half price for cash. I barely had enough cash on me. THe next day I went to an ATM an used the debit card
Thanks everyone for your advice on having two cards - I only have one!
...As we were checking into a mom & pop motel for an extended stay in Fort Pierce, the gentleman said half price for cash...
Sounds like one of those places you pay for by the hour
Prefer credit to debit cards. If fraud is involved money is gone from debit account and has to be restored... For credit, just get fraudulent entry deleted and your bank account balances remain uneffected...
Think they should have similar sentences for credit card thiefs as bank robbers and this problem might actually begin to decrease rather than a continued escalation...
Carry both just in case something happens to the one, you'll have the other one to use as a backup.
Credit cards. One I use local and one I use on trips. This way when I get back and get the statement I know how much the trip cost me.
I only use Debit card at my bank to withdraw funds.
It's happened to me more than once. Companies have also preemptively changed my account number several times in the past few years if there has been some sort of security breech. It is time consuming to change everything that is auto billed.
I get hit about once a year. Had some one in Australia pay their sports service and electric bill with my Visa. During the Sunami in Japan AMEX called me on a Sunday morn asking if I had just made a $3000 trans in Japan. I burn my papers and am careful with my cards but there are so many ways to get the info now. My Pet Insureance sent me a letter a few years ago that they had caught an employee stealing info and were taking care of any problems.
Problem is that the penalties are minor to the money to be made, even more profit and less risk/time then drugs
For online purchases the best deal is a virtual credit card. I have one setup with Bank America and I know there are other credit card companies that have the same service. Bank America calls theirs shop safe.
For online purchases the best deal is a virtual credit card. I have one setup with Bank America and I know there are other credit card companies that have the same service. Bank America calls theirs shop safe."
What is a virtual credit card and how does it work?
I googled and came up with a great explanation.
I googled and came up with a great explanation.
I see in the explanation some credit card issuers charge for the service. So far Bank America doesn't. Some other things that weren't mentioned, I set the dollar amount the virtual card is good for, I set the length of time the card is good for, which is really handy for companies like XM Radio that keep your credit card numbers and automatically renew your contract, sometimes at the full price and then it takes an act of congress to get things straightened out. They also have a way I can set up a recurring charge. I haven't needed that service so I'm not sure how it works. The bottom line is I make a lot of online purchases and this service really puts my mind at ease.
Looks like something to look into. Thanks
I had my stolen too. They made several small charges and my bank put a hold on the account. According to the bank, several people had card numbers stolen, perhaps at a local drive through.
I had my credit card info stolen just prior to my deployment back in January. Chase tried to contact me by phone, however I did not have access to it. About a week or two later I happened to look at my statement, and saw some charges I didn't recognize. I called them up, told them which ones were fraud, and they removed with no hassle or questions. Just one simple phone call. I would recommend having several cards just in case one happens to become compromised, you won't be left stranded!
Until now I have never heard of a virtual credit card. This is something to look into!
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