Vent, need advice, on cc theft online

[millerjmls]

I switched to a credit card that uses "shop safe". It lets you set up a virtual number for a one time or a revolving charge that is for a specific amount. I use ONLY this for online purchases. The company cannot charge more than the designated amount and the number cannot be re-used on another website.

 

[Debbie]

Now I have alerts set on all our cards that we rarely use so I will know immediately that they're being used.

It's a pain, but luckily most companies are good about detecting these fraudulent charges quickly and you aren't responsible for paying.

I have alerts on my main banking accounts as well. Now I know when DH debits money to buy his potato chips.

 

[ruadisneyfan2]

I have alerts on my main banking accounts as well. Now I know when DH debits money to buy his potato chips.

I check those at least twice per day. Sometimes on Sunday mornings I know that he's already left the grocery store and on his way home because the ShopRite charge is on our account.

 

[a1tinkfans]

I check those at least twice per day. Sometimes on Sunday mornings I know that he's already left the grocery store and on his way home because the ShopRite charge is on our account.

So funny! I know when the dh pops in for something too!
OP does ur bank offer you ALERT settings? Many banks do. Anything over a certain threshold triggers an alert via email text or both. Generally it's over $100. Regardless, chase, Amex are very atop of charges that appear to be fraud...as well as cashiers who tell u a charge did not go thru, when in fact it did...and you ve already used another card to finish the transaction based on their WRONG assumption. Walmart has done this several times to me...I always wind up asking them to give me the print out Proof that said the card was denied or did not go thru. Then I wind up cking my accts online and seeing the error, which the bank then resolves. Use cash at Walmart.

Ask for a letter from ur cc company indicating that the card was closed due to fraud...they are supposed to update the 3 credit bureaus to that effect, Not that you had a credit problem, Kwim? Good luck.

 

[4HOLIDAYS]

We have had a number of times with the personal cc info being stolen and the cc companies are always good about fixing the problem. We have also had the company cc info stolen and worse was 2x the company debit card info. We came off a 4 day cruise once and found the acct was missing 16k!

Once we are pretty sure was cc skimming on the way to the cruise. Once was a ccorp card that was only ever used at our vendors so we know that was thru them.

When the 16k was gone, the bank made good on it but it took 3 weeks for the money to get back in the acct.

I think its just part of life now so keep a close eye on your accts.

 

[dpswift]

My father has a low limit card that he only uses for online. However as others have said the problem most likely started elsewhere.

We had someone get our number a few months ago. They started using it soon after I decided to go to cash only. Chase caught in with their first charge. It was easy to figure what was ours and theirs because all we had charged was Paypal and local gas. The only other charge we had made all month was when DH had a bad day and bought Chinese food.

 

[manning]

The system used in Europe is being intruded here. All your personal info sits with the CC company. The card is scanned using a chip. No info is on the card other than your card number and pin.

Here's the great thing about it. The security code changes when you use it. You get a new one via text message/email. They can clone that card all they want but without the code the transaction is denied.

I understand the Apple Pay is based on this. After scanning your fingerprint allows the transaction to continue and a new security code is automatically sent to your phone. Right now you will need iphine6/ plus

Hacking in Europe is reported down big time.

 

[SC Minnie]

Our card was compromised again yesterday, 2nd time in less than 12 months. This time they only tried to buy about $13 worth of computer stuff in OH. I have a feeling if we wouldn't have caught it as soon as the charge hit it would have been worse.

 

[njmom47]

The system used in Europe is being intruded here. All your personal info sits with the CC company. The card is scanned using a chip. No info is on the card other than your card number and pin.

Here's the great thing about it. The security code changes when you use it. You get a new one via text message/email. They can clone that card all they want but without the code the transaction is denied.

I understand the Apple Pay is based on this. After scanning your fingerprint allows the transaction to continue and a new security code is automatically sent to your phone. Right now you will need iphine6/ plus

Hacking in Europe is reported down big time.

Yes, and this code can not be used again...otherwise that triggers the "fraudulent transaction" bells and whistles within the processing system.

The company I work for will be compatible with this system by October 2015.
I've mentioned this plenty of times before, but part of my job is to respond to fraudulent charges made at our locations. I think I'll be able to work part time after October.
http://www.creditcards.com/credit-card-news/emv-faq-chip-cards-answers-1264.php

OP, you have my sympathy.

SC Minnie, that's how they start...a small purchase to make sure the card is active, then move on to larger purchases.

 

[scard192]

Chase caught a fraudulent charge on my Amazon credit card and declined the charge, I live in MA and who used it tried to ship something to a address in CA.

Someone tried to put over $9000 in Delta airline tickets on my Chase Freedom, it never went past pending.

One tip someone told me was not to save any credit card#'s to any website and I no longer do that for any site. Not sure if it makes a difference but figure it can't hurt.

someone tried to charge a car to my sisters credit card last year. Chase stopped that one.

I have 3 Chase credit cards and I went in and set up alerts to e-mail for any transactions over $200 and I check my credit cards on line several times a week.

 

[MUN]

Omg, imagine my shock when I look on my cc charges and see someone has charged 1000's of dollars worth of stuff. Anyone have any suggestions on doing online shopping without having your cc numbers stolen??? Ugh!!!!! I only shop at "major retailers" online and it still amazes me that someone can do this!!!

Oh well, those things happen. I'm assuming you called your cc company right away. Concerning shopping at "major retailers" do you mean like Target and Home Depot?

It amazes me more that it doesn't happen more often.

MUN