Author Topic: Yet again - Credit Card fraud  (Read 614 times)

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Offline Shipwreck

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Yet again - Credit Card fraud
« on: July 15, 2020, 10:33:03 AM »
Man, about 1x a year - I get hit with a purchase on one of my credit cards that I didn't make. Sometimes, it's even on a credit card that is locked up and I don't even carry or use...

Today, I got an email about a $149.50 purchase I just made at Lord and Taylor. I thought maybe the email was fake, so I went to my credit card website and logged in. Sure enough, it's there.

I called to dispute it, and I will get a new card sent to me with a new number...

Wasn't me buying anything at Lord and Taylor :P

However - they like me a lot this year, it seems. Just 2 months ago, I had a $7 purchase on another card that I didn't make - a donation to starving kids in Africa (that was a weird fraud charge).

This gets so annoying.

Online RaySendero

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Re: Yet again - Credit Card fraud
« Reply #1 on: July 15, 2020, 10:52:23 AM »
.... Just 2 months ago, I had a $7 purchase on another card that I didn't make - a donation to starving kids in Africa (that was a weird fraud charge).

Typical of a scam.  They make a small charge that usually won't get an alert to see if you catch it.

I can't explain why or how you're get picked on this much.
We've only had 3 instants in the last 30 years.
Once at hotel that asked for my card when I checked in.
Once a Christmas when wife bought something from Macy's.
Macy's said there was a problem with temporary help they had just hired for the holidays.
Once I lost my wallet with credit card in it.
But no one tried to use the card!?

Had to have the cards stopped and another issued.  Took 7 to 10 days.
We keep a card we don't ever use for just this situation.

We both use a card a lot both on-line and in person.
Only thing I can think of is,
We never let an on-line seller kept our card numbers
Even if we expect to buy something often.

Oh yeah, one more thing - We both have wallets that have the scan proof linings.
Ray

Offline Gilgondorin

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Re: Yet again - Credit Card fraud
« Reply #2 on: July 15, 2020, 12:35:00 PM »
We both use a card a lot both on-line and in person.
Only thing I can think of is,
We never let an on-line seller kept our card numbers
Even if we expect to buy something often.

Unfortunately, you don't really have as much control over that as you think you do, and letting your card info get stored during the checkout process on the client-side end is different than having it stored indefinitely by in a vendor database. Clicking "Do not store my card info" only prevents your computer or the site from storing the information -- but, even so, pretty much all merchants you buy from can and do store your card info for their own personal use on their own internal servers.

Typically, it's just to process payments and the like, but there's not really a consumer protection law that bars a vendor from keeping records of your card info so as to data-mine your purchasing habits and figure out what you buy to make any future ads you see more relevant to your interests.

https://www.forbes.com/sites/kashmirhill/2012/02/16/how-target-figured-out-a-teen-girl-was-pregnant-before-her-father-did/#32d00d046668

Quote
Target assigns every customer a Guest ID number, tied to their credit card, name, or email address that becomes a bucket that stores a history of everything they've bought and any demographic information Target has collected from them or bought from other sources.

[ . . . . ]

“If we send someone a catalog and say, ‘Congratulations on your first child!’ and they’ve never told us they’re pregnant, that’s going to make some people uncomfortable,” Pole told me. “We are very conservative about compliance with all privacy laws. But even if you’re following the law, you can do things where people get queasy.”

[ . . . . ]

That's an old article, but they're not the only ones that were/are doing stuff like this. Consequently, a database with millions and millions of stored credit card numbers, fed by in-store point-of-sale systems and the online e-Store alike, makes a very easy "One and done" target for a group of hackers to target if they have the know how; only kiddies fiddling with a skimmer they probably don't really know much about are the ones dumb enough to go through the effort of sitting around trying to scan card info remotely one or two cards at a time.

It's why it never fails that I start noticing weird charges showing up on my cards like clockwork about a month after some major retailer (Target, Home Depot, Sony, etc. have all done me this way) comes out and publicly admits that their credit card database servers got hacked and their info was stolen.

Offline 308nato

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Re: Yet again - Credit Card fraud
« Reply #3 on: July 15, 2020, 04:40:07 PM »
Had that happen twice this year and got new cards also.
Eternal vigilance is the price of liberty.
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Offline Billy Gruber

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Re: Yet again - Credit Card fraud
« Reply #4 on: August 20, 2020, 03:05:28 PM »
I often wonder how many of those "fine citizens" out there are jottin' down credit card information for the black market?  I bet they're looking for those juicy cards with the high credit limits - and start by charging low amounts and then incrementally higher and higher so as to not raise any flags.  This is the main reason I keep many of my card limits low and under $2,000. Back before the 2009 real estate crash, I had an AMEX with a $60,000 limit and no way would I carry something like that around today.  Reminds me of a time in Las Vegas while attending a wedding of a really good friend, and his father-in-law weaseled out early and didn't pay for the wedding like he was supposed to.  The casino manager was standing there with a bill for $15,000 in his hand and nobody was leaving until it was paid.  Being they were really good friends of my then wife, I came to the rescue and just whipped that 'ole AMEX out and paid their wedding bill - and felt really good doing it.  Thankfully they were honorable people and paid me back soon as we got home.  My point is that credit cards like that in the wrong hands is extremely dangerous - even for the owner.  My father-in-law was notorious for having something like 10 credit cards all with $10,000, $15,000 credit limits and he would have only $50 to $150 balances (max) on them - and carry them around with a big fat rubber band holding 'em together like they were baseball cards. Sure enough, one day the bundle fell out of his pocket and guess what? Needless to say he was on the phone that day for a long, long time.  Just keep 3-4 cards max, 3/4 with low credit limits and one with a high limit - and leave that one at home in the gun safe. Just my 2 cents for what its worth.
"The strongest reason for the people to retain the right to keep and bear arms is, as a last resort, to protect themselves against tyranny in government." (Thomas Jefferson Papers p. 334, 1950)

Offline Silverado

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Re: Yet again - Credit Card fraud
« Reply #5 on: August 20, 2020, 05:10:52 PM »
That sucks. A few years ago someone got my card number and pin. My card was charged for a couple hundred in gas in Van Horn and houston about ten minutes apart. Apparently I bought dinner for a bunch of folks in san antonio also.  :bangheadonwall:

Offline Babbalou1956

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Re: Yet again - Credit Card fraud
« Reply #6 on: September 04, 2020, 08:04:48 AM »
My sister-in-law got scammed after handing a waitress her credit card & getting it back 15 minutes later. My bank is good about texting me when they sense a scam.  Twice I had unauthorized charges after using my Visa at gas pumps. My bank rejected the hotel rooms & furniture from Amazon. I now use a Chevron/Texaco card. Another time a girl from Walmart asked me if I'm only buying ammo. I said yes so she walked me to to the automotive department (which was closed) opened the cash register & I paid with my Visa. An hour later my bank asked me if I bought $800 of stuff online. Nope. So far they've blocked every unauthorized purchase. Occasionally they even block me so I have to call them to buy stuff.
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Offline Shipwreck

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Re: Yet again - Credit Card fraud
« Reply #7 on: September 04, 2020, 08:16:51 AM »
I got blocked buying a Glock earlier this week. I had to text back it was me, and then try the card a 2nd time.

Offline Gilgondorin

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Re: Yet again - Credit Card fraud
« Reply #8 on: September 04, 2020, 08:22:05 AM »
I got blocked buying a Glock earlier this week. I had to text back it was me, and then try the card a 2nd time.


Offline Shield45

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Re: Yet again - Credit Card fraud
« Reply #9 on: September 04, 2020, 10:21:33 AM »
Never ever use my debit card in gas pump. 3 gas cards for all my gas Valero Exxon Shell.

Never use my debit card for online purchases only credit card and then rarely buy online even now.

Dont use debit in restaurant cash or AMEX card.

The more your out there with your info the higher the risk as we all know.

Gas pump is the worst for it.


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Offline Shipwreck

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Re: Yet again - Credit Card fraud
« Reply #10 on: September 04, 2020, 11:22:44 AM »
I don't use my debit card at all. Never have. It's locked up. Only use credit cards

Offline TXAZ

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Re: Yet again - Credit Card fraud
« Reply #11 on: September 04, 2020, 11:24:43 AM »
Only use a debit card if I have to (i.e.; FSA / HSA card)
Too many scams with them.
.

Offline 308nato

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Re: Yet again - Credit Card fraud
« Reply #12 on: September 04, 2020, 04:48:33 PM »
No Debit cards here and only have to credit cards a Lowes and a visa.
When I get gas it's always cash also cash at Kroger and HEB and Wally world.
Eternal vigilance is the price of liberty.
Thomas Jefferson.

Caedite eos.Novitenim Donimus Qui Sunteius.

The new ballet of good over evil is called
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Offline Shield45

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Re: Yet again - Credit Card fraud
« Reply #13 on: September 04, 2020, 05:41:16 PM »
I have no issue with paying POS with a debit card since it is in my possession and requires pin entry.


And my CU is great IF you have an issue with a questionable transaction.

In todays world we are all subject to the possibility its is almost impossible to avoid these days.
We live in an electronic world.
 


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