How often is your CC (NOT DEBIT) compromised? Q added pg 3

Never, knock on wood.

I have four CC, paid off, plus a couple of department store cards, all paid off. For years. Never once been compromised. I don't know what I do? lol (They are regularly used but I pay them off as I go.)

It used to happen to us at least once a year too. So frustrating. We have a had a good streak with this current card but I'm not sure what we have done differently. We've always paid them off each month.

I've used a Chase United card (though about to change that) for the past 10 years. It's been compromised twice. Both times Chase handled it quickly and had a new card to me in less than 48 hrs.

When you use your card, are you presenting the physical card? Or do you use it with Apple Pay? The only times I pull out my card these days is when a place does not use Apple Pay. Apple Pay is more secure and I recommend using that method when possible. I'm sure busy can explain the mechanics of why it is a lot more clearly than I could.

I treat my card as you describe, MichyM, and have just recently had it compromised about a month ago, just as I was heading out for the long weekend. Last time was about 18 months ago. Luckily my bank also has caught it each time but it certainly is annoying and time consuming when it happens.

I have no idea how it happens since I mostly swipe so that means I am not putting my pin or card into any dodgy readers.

it is not so much the bank providing the security but the credit card companies. that is one of their main activities.. fraud detection. so you are protected by visa and mastercard.. though my dh who worked the back end systems at visa for 14 yrs now uses his apple card almost all the time. we still have a chase card as backup.. he really knows the systems and this is the choice he makes.

I wouldn't change cards for that reason. using credit cards does protect you from having to pay out. vs a debit card.. which has less protection

Once or twice in the past 10-15 years. I have all our utilities on auto-pay as well as other things. I also store it on many sites so I can pay when I log in.

ETA: When DH's identity was stolen years ago, we found out when we got an email from our CC company saying *You're replacement card is on it's way!* WHAT? To Brooklyn, NY! We quickly called and they shut down the card. The person I spoke to said that they had DH's social and all his identifying info and the call came from our home phone number. That's when we found out people can spoof your phone number. UGH! Now we have a *word* in their system that identifies us but some companies have even stopped doing that.

In over 30 years of using a credit card, I can count on one hand the number of times my card has been compromised. One was right after I used the card at a car wash. I can’t remember the other times, but I do remember getting a replacement card at least 2-3 times. I think the bank caught the other 2-3 times before I even knew about them. I use a separate card for internet usage, and that one has never been compromised, knock on wood.

I now mainly use Apple Pay and tap my cards whenever possible.

Why would your bank drop you because someone steals your cc number? That makes no sense to me. They won't drop you for that. Also, banks don't drop people. They want your business.

It used to happen to me twice a year for several years. Knock on wood, it hasn't happened to me in a few years now. We charge everything on 2 different cards and pay them off every month. We literally charge "EVERYTHING" on them if we can. I joked that I wanted to buy my dd's car with it so we could get the miles but dealerships won't let you do that.

My card was routinely compromised on Walmart's website even though I only bought something once on their site.  When the replacement card was sent, it was compromised while the replacement card was in transit.  I got the card still sealed in the envelope and the card had not been activated.  It was compromised on Amazon.  They had a huge data breach but didn't report it to the major banks which pissed me off.  I was on vacation so Capital One had to send yet another card by Fedex to the vacation house.  I think they just randomly pick credit card numbers/expiration dates which is how they got it.  It was a Russian breach.  

It was happening to me too.  And I may have shot myself in the foot by doing this, but when I sold my house, I paid off all of my debt and cancelled all credit cards.  I have my debit card for online shopping and like you, I don’t store it anywhere online.  I decided that at my age, I am focusing on downsizing and don’t need credit cards to purchase anything.  I also paid cash for my home and I drive an older car that has been paid off for years.  My only expenses now are the basics.  I was tired of my number being stolen and figured I just don’t need the exposure or use of them anymore.

During one episode of theft, I asked the bank how I could better protect myself.  He told me these guys have computer programs that run card numbers and try to charge a small amount.  If the charge goes through, they know they happened upon a live actual card number and that number is kicked into a different folder. Then after so many are collected or after so many minutes have passed, the block of numbers is sold and the buyers charge them up immediately.  He said the whole thing happens in a matter of minutes and the computers creating and trying card numbers are running 24/7.  You cannot protect yourself against something like that.  You have to rely on your bank noticing an unusual charge and contacting you.

first. credit cards much more secure than debit cards. one thing apple cards do is they don't have a number on their card, they use a different number when you use a terminal (swipe, tap, whatever) than when you look up a number to use online. their customer service is also excellent.

Taping, whether it is your phone or the actual card, is safer than inserting or swiping. The device can’t skim your card info if you tap. The Apple Card itself has added protection as was mentioned above. The Apple Card has different card numbers depending on how you use the card.

Three times officially and then once when my husband forgot he ordered something and the card was cancelled. Thankfully every time the card company has made it quite easy (they've figured it out twice). I've had the same company since the 80's and they are so easy to work with during these times.

I haven't had a credit card in years but I use my VISA branded debit card for everything. I've got fraud alerts relatively frequently but they are always on purchases I'm actually making (for about six months recently it alerted every time I bought groceries at Aldi...which is weekly). I've never once had my card compromised.