Aces High Bulletin Board
General Forums => The O' Club => Topic started by: Halo on April 20, 2007, 12:49:53 PM
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Well, it finally happened. Careful as I am, somebody cloned my credit card. Fortunately the credit card company nullified the card after one pirated transaction.
I was on a trip, but I had enough prepayed stuff and reserve cash to avoid inconvenience. Even then, it took several days to get a new credit card and have it activated.
The lesson? I don't know yet. Being extremely careful isn't enough. Google for credit card fraud and skim through many warnings and examples of how it's done. If the good guys could prevent it totally, they would.
All we can do is be careful and promptly report any suspicious charges or activities.
On the practical side, I'm going back to using two credit cards so if one has a problem I'll still be operational with the second.
Has credit card fraud happened to you? Did it change any way you do business?
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I haven't had the number or card stolen but I have had a fraudulant charge that was removed. Seems a transcribed number or something was the culprit.
FWIW I do almost all of my banking online through a satelite connection and only one machine. I check weekly to track charges on all of my cards and accounts. The bank has been very responsive to inquiries and has on an occasion or two called me to confirm a charge.
Anyone going out of the country and planning to use your credit card should call the customer support number for the card and notify the bank of the trip. They may otherwise automatically flag any overseas purchases and lock the card automatically as part of the fraud protection.
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we have had problems with debit cards. every time it's been in a restaurant. while the bank eventually refunds the money it was a hassle. I no longer use debit cards. I carry cash or occasionally use a credit card.
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I agree that debt cards are bad.
My wife had a $25 charge on her credit card from Florida a couple of months ago that she did not make. She just happened to notice it when reviewing the statement and the bank took off the charge no questions asked. They said it was most likely human error when someone entered the number manually.
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On a side note: I was driving through a less-than-desirable part of CMH last week and I noticed two men digging through the big trash barrels that sit in front of self-serve car washes. They appeared to be fishing for paper documents (they were on bicycles and obviously were not collecting cans). SHRED EVERYTHING, AT HOME.
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I haven't had any problems with my personal credit card yet, but I have had my work credit card number cloned. Fortunately I was not out of town when I had the problem with the card from work. I have been carry two credit cards for a while now. One I use regularly the other one I keep just for emergencies.
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I was in Spain a year ago and someone had cloned my CC(I've no idea where, I was actually too drunk to remember only on one occasion). Six months later they called from the CC company that someone had tried make a 2000€ purchase with my card but it was refused because the sum was too high. Got a new card in mail in a few days. Even if the transaction would have went through I wouldn't have had to pay for it(that's the way it works AFAIK). Anyway CC is pretty useless here as debit cards are, if possible even more regularly accepted(It'd be difficult to find a business that wouldn't accept it). I only use CC when abroad, and I have Visa Electron as a back up.
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Related story on cbsnews.com today:
http://www.cbsnews.com/stories/2007/04/23/earlyshow/contributors/susankoeppen/main2715759.shtml
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There's all this emphasis on the idea that buying stuff on the internet is somehow more risky than in person, but that's hugely inaccurate. As long as you're not using something dumb like email to send your credit card (ie, you're using an SSL transaction) then it's not going to be intercepted. But the pimply faced clerk at the Blockbuster or tourist shop who swipes your card, then writes down the number from their copy of the receipt is 10x harder to track down, and 10x more likely to actually _do it_.
I had a card cloned about 5 years ago, we never found out where, but someone was trying to use the clone locally, so we're pretty sure it was a person at a face to face biz.
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No credit card , no debit card , no problems.
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This is the dirty little secret banks don't want you to know. It is THEIR responsibility to keep crooks from taking THE BANKS money with forged documents. They don't pay you to do that. Here's another dirty little secret. Its the credit reporting agency's responsibility to make sure they don't victimize an innocent person because of a banks lapse in security. After they get sued a few times for ruining an innocents credit, they'll get it and be more prompt in removing fraudulent debts.
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My ******* boss had me park in the rear of our facility where my company knew drones cruised the back lots looking for cars to break into.Well, wouldn't you know my truck was broken into and with it my credit card!Luckily my bank has fraud protection.The bad guys used it to purchase gas!
Really, I don't blame them with the cost of fuel to get you around to rob people:lol Ofcourse, I always carry a backup debit card on my person so I was still functional.But, it was a pain in the ars to replace my briefcase and file all the necessary paperwork!:noid
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Originally posted by wes34th
My ******* boss had me park in the rear of our facility where my company knew drones cruised the back lots looking for cars to break into.Well, wouldn't you know my truck was broken into and with it my credit card!Luckily my bank has fraud protection.The bad guys used it to purchase gas!
Really, I don't blame them with the cost of fuel to get you around to rob people:lol Ofcourse, I always carry a backup debit card on my person so I was still functional.But, it was a pain in the ars to replace my briefcase and file all the necessary paperwork!:noid
Well lucky for your bank. You don't vote on the devices your bank uses for currency exchange. If it opens them to fraud, its THEIR problem, not yours. The only reason identity theft is such a problem right now is not enough people haves sued banks for using inadequate security measures and alert mechanisms, and not suing credit agencies for filing fraudulent credit references. If your identity is stolen, you have done NOTHING wrong. The crook has, the bank has, and the credit reporting agency has. Thats why the bank doesn't charge you for fraud. Its not because they're sweet. Its because they can't. Its THEIR mistake.
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Originally posted by RedTop
No credit card , no debit card , no problems.
No hotel rooms, no rental cars, no video rentals and comming very soon no flying on major US Airlines. You need at least one credit card.
-Sp0t
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Originally posted by BBBB
No hotel rooms, no rental cars, no video rentals and comming very soon no flying on major US Airlines. You need at least one credit card.
-Sp0t
Huh....no...I don't.
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D'ya own a home?
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Originally posted by BTW
Well lucky for your bank. You don't vote on the devices your bank uses for currency exchange. If it opens them to fraud, its THEIR problem, not yours. The only reason identity theft is such a problem right now is not enough people haves sued banks for using inadequate security measures and alert mechanisms, and not suing credit agencies for filing fraudulent credit references. If your identity is stolen, you have done NOTHING wrong. The crook has, the bank has, and the credit reporting agency has. Thats why the bank doesn't charge you for fraud. Its not because they're sweet. Its because they can't. Its THEIR mistake.
I AGREE 100%:aok