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Post by Scrapper100 on May 15, 2023 19:51:13 GMT
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. Interesting and that makes sense. I had a Williams Sonoma visa that I only used a few times a year at their store snd then it was used at children’s place while I was in the hospital. It was so annoying but at least they covered it. It’s was also a card I didn’t carry with me. It seems to happen every year or two to one of our cards. It’s really frustrating when you have auto payments set up on the card that gets replaced. |
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garcia5050
Pearl Clutcher
Posts: 2,773 
Location: So. Calif.
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Post by garcia5050 on May 15, 2023 19:59:25 GMT
I've only had one credit card compromise - maybe like 10 years ago, also a server at a restaurant. It was during Christmastime, so I didn't get an alert for unusual activity. My credit card company is great. If someone charges a penny (or some really small amount), they will call me to confirm and then block further charges from that source. I forgot my debit card at the gas station, so I had to use my credit card, and they immediately called me to confirm - since this was unusual activity for me. I've come to realize that my credit card company is a bit above and beyond with their fraud alerts. I've set up alerts for my credit card online (to notify me for purchases larger than X amount), but they will call me directly for amounts WAY below the limit I've set - if the activity is 'out of the norm' for me. valincal - a lot of mom and pop restaurants will bring the POS machine to the table. It's the large chain restaurants that will bring the receipts to the table. |
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Post by dewryce on May 15, 2023 20:39:36 GMT
Thieves have been making false panels for gas and ATM machines that capture your data as you use your card. You can Google to find images or videos to help you recognize these. I’d also consider RFID blocking wallets/sleeves that work with multiple frequencies. And I’ve had the same phone spoofing issue as cadoodlebug and also recommend the additional layer of security. |
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Post by Linda on May 15, 2023 21:21:14 GMT
restaurants do not use POS machines for payment at the table more and more are adding payment tablets at the table or bringing the POS machine to the table. I don't mind the latter but find the former can be hard to see with older eyes in less well-lit restaurants (DH is usually paying and his eyesight, even with glasses, isn't great anymore and he gets frustrated easily with the tablets) |
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RosieKat
Drama Llama
PeaJect #12
Posts: 5,546
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Post by RosieKat on May 15, 2023 21:48:42 GMT
Seems like about once every year or two, sometimes every few months. Both the companies are pretty good about catching fraudulent charges quickly, thankfully. I think they just consider it normal any more.
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Post by librarylady on May 15, 2023 22:23:24 GMT
I had mine compromised about 15 years ago. Then last year and again a few months later. I am currently using a Chase Sapphire card that is about 2 months old. I refuse to use a debit card because #1, it accesses my account right then, and I'm not comfortable with that. #2. A person does not have as much covered by the bank as one does with a CC.
We charge about 95% of what we spend on CCs. I have 2 that I use and alternate them with purchases. I have Target card, but I only use it at Target, never anywhere else.
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dogbyte
Full Member
Posts: 121
Feb 23, 2018 3:45:52 GMT
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Post by dogbyte on May 15, 2023 22:25:27 GMT
Several.years ago.we had the three we used most hacked within 6 months. PSA..many on line places,like Amazon, retain your info even if you tell them not to. Every time you order from Amazon, you have to go to your "wallet" and manually remove your CC information.
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Post by calgaryscrapper on May 15, 2023 22:49:56 GMT
We had our Costco card compromised a few years ago. They transferred our card to paperless banking out of another Province. Ordered thousands of dollars of stuff from Best Buy then booked airline tickets. The next tickets was the red flag as we don’t fly. Best buy also got cancelled. Now we have it set up
A notification set for anything 50 dollars or more on the care
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Post by AussieMeg on May 15, 2023 23:31:04 GMT
I feel fortunate that it's never happened to me. My credit card number is all over the place. I am watching one credit card carefully at the moment, because there was a data breach recently. I only knew about it because I saw it on the news, THEY didn't tell me!
On Sunday, DD found two pending Uber charges on her credit card, that were definitely not hers. She's still waiting to find out about that.
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Post by katlady on May 15, 2023 23:54:32 GMT
Now we have it set up A notification set for anything 50 dollars or more on the care I set a $1 dollar notification limit on our cards. 😂 Thieves will test your card by charging something really small, under $10. |
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Post by Basket1lady on May 16, 2023 0:14:25 GMT
We've probably had a card breached 7-8 times in the last 20 years. I've only been able to trace the hack twice--once was Paypal way back in 2003-4ish and they called me. The second time was when DH had his wallet stolen on the Paris metro and they already placed charges before I could even use the app to stop the card. (We knew the moment his wallet was stolen.) Other than that, there have been so many data breaches that it's impossible to know exactly how they get your numbers. Either from a hacked site, the random numbers that the computer tries to guess, a skimmer, a disreputable clerk... the options are numerous.
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Post by Basket1lady on May 16, 2023 0:16:30 GMT
I’m not sure if it’s relevant or not but one thing I’ve noticed in the US is that restaurants do not use POS machines for payment at the table. They bring you the three paper receipts (such a waste!) where you can then add a tip and they somehow are able to process that (the tip) after they’ve already given you back your credit card. In Canada, your card doesn’t leave your hand. The server brings the machine to the table and you tap or insert your card and can request a receipt or decline one. I’ve also used my credit card at shops etc. in the US where no PIN was required but in Canada if you insert your card into a machine you must enter a PIN. That said, we definitely have our credit cards compromised here too. It just doesn’t seem to be as often. Europe uses a similar system. To me, it's just crazy that I hand someone my CC and they walk away with it for several minutes. I really, really dislike the system. I've been asking if I can use my phone to pay and that helps sometimes, but not all US systems are set up for that yet. |
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Post by chaosisapony on May 16, 2023 0:55:47 GMT
Never. My debit card has been compromised twice throughout the years but never a credit card. I use my cards liberally. I save the numbers in websites, write down passwords, use them at gas stations. I basically do everything you shouldn't do and still haven't ever had an issue with a credit card.
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Post by lucyg on May 16, 2023 1:14:27 GMT
I have several credit cards and they are regularly compromised. I would say, at least a couple of times a year, some card gets hacked. I don’t think the credit card companies care. Do the retailers that accepted the hacked number get hit for the charges? I don’t know.
Now, my debit card … I never, ever use that to buy things. If I want to pay with cash, I use PayPal or Venmo. Have never had either compromised. But I did have my debit card hacked once at a gas station and NEVER AGAIN. I don’t need them completely cleaning out my checking account.
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Post by **GypsyGirl** on May 16, 2023 3:38:56 GMT
Ok, so using Apple Pay on my devices is safer than tapping (in person), and using my Chase card *directly* online? Does it make any difference that I only tap, not swipe or insert my card in person? Yes, Apple Pay is safer than tapping, while tapping is safer than swiping/inserting. When you use Apple Pay (any credit card you've loaded), your card number and identity are not shared with the merchant. It is encrypted. You can ready exactly how it works in this link: Apple Pay security & privacy overview. Some of the comments seem to be confusing Apple Pay with the Apple Card. You can use Apple Pay with any credit card that you load on your phone. The Apple Card is a separate credit card. |
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Post by Layce on May 16, 2023 10:33:22 GMT
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Post by MichyM on May 16, 2023 13:58:20 GMT
Thank you so much for your replies. Many have put me more at ease. While I use Apple Pay from time to time, I’m going to try and remember to use it wherever it is offered. Fingers crossed that it helps a bit.
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Post by snugglebutter on May 16, 2023 14:57:56 GMT
Mine is at least one a year for the last ten years. I do a lot of online shopping, which may increase my odds, I don't know. What I DO know is that at least 6 times have been connected to Best Buy, and one was a server at a restaurant who while taking care of my bill decided to go on an online shopping spree. I love that I'm not out anything, but I have so much on auto-pay it's frustrating.
One thing we did several years ago is move all of our auto-pay stuff to a separate account that is not our main card. That has saved so much hassle when we've had to get cards replaced.
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Post by jenb72 on May 16, 2023 15:09:26 GMT
I also have a chase sapphire card. I use it daily and pay the statement balance off every month like you do. I have it saved in my GPay (google pay) wallet so I can use my phone for payment if I forget my card, and I do have it saved on my utility accounts, but that's it. I don't save it on food apps or shopping sites. It is rarely compromised. The one time I can think of recently was a couple of years ago. I stopped in KY at a gas station to fill up during a road trip (GA to OH) and either the cashier skimmed my card or there was a skimmer on the pump because a week later someone tried to use my card in KY. I'm usually careful to check the pumps, but I was on the last leg of my trip and a bit tired, so I was distracted. Prior to that was probably 5-6 years ago. I believe they narrowed that one down to a fast-food place where the drive-thru person skimmed it and tried to use it that same afternoon. That's generally the only place I "hand over" my card to anyone else. Most of the time I use the chip and the card never leaves my hand.
Jen
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peasquared
Drama Llama
Posts: 5,731
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Post by peasquared on May 16, 2023 15:44:25 GMT
Mine is at least one a year for the last ten years. I do a lot of online shopping, which may increase my odds, I don't know. What I DO know is that at least 6 times have been connected to Best Buy, and one was a server at a restaurant who while taking care of my bill decided to go on an online shopping spree. I love that I'm not out anything, but I have so much on auto-pay it's frustrating.
One thing we did several years ago is move all of our auto-pay stuff to a separate account that is not our main card. That has saved so much hassle when we've had to get cards replaced.
I REALLY need to do that! Thanks for a great tip! |
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quiltz
Drama Llama
Posts: 6,842
Location: CANADA
Jun 29, 2014 16:13:28 GMT
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Post by quiltz on May 16, 2023 17:06:00 GMT
MichyM I use "Bitdefender" on my phone and computer. It always runs a background check on how secure a website is that I am wanting to purchase stuff from. What kind of malware protection is on your equipment? Also, In Canada, there is chip and password on every debit/credit card. You have to enter the PIN or else the transaction will not be completed. The American banking system is a real mess. So many private banks, different states have different regulations etc. Canada has a central banking system and is more controlled system. Unfortunately, being a "republic" has some disadvantages. All restaurants have a point of sale device where you can "tap" or insert your card. Not once is a card taken from you or is out of your hands. I refuse to hand over my card when I am in the USA. I either pay cash or go to the main terminal or use the tablet that is on the table.
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Post by papersilly on May 16, 2023 17:13:26 GMT
knock on wood, never so far.
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Post by MichyM on May 16, 2023 17:17:41 GMT
MichyM I use "Bitdefender" on my phone and computer. It always runs a background check on how secure a website is that I am wanting to purchase stuff from. What kind of malware protection is on your equipment? Also, In Canada, there is chip and password on every debit/credit card. You have to enter the PIN or else the transaction will not be completed. The American banking system is a real mess. So many private banks, different states have different regulations etc. Canada has a central banking system and is more controlled system. Unfortunately, being a "republic" has some disadvantages. All restaurants have a point of sale device where you can "tap" or insert your card. Not once is a card taken from you or is out of your hands. I refuse to hand over my card when I am in the USA. I either pay cash or go to the main terminal or use the tablet that is on the table. I have Kapersky on my laptop (PC). I have no added protection on my ipad or iphone. |
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Post by calgaryscrapper on May 17, 2023 1:49:01 GMT
Katlady, we have decided to set our notifications to a lower dollar amount. Thank you everyone. We are going to be even more careful watching any amount coming through on our card:
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milocat
Drama Llama
Posts: 5,587
Location: 55 degrees north in Alberta, Canada
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Post by milocat on May 17, 2023 2:12:55 GMT
MichyM I use "Bitdefender" on my phone and computer. It always runs a background check on how secure a website is that I am wanting to purchase stuff from. What kind of malware protection is on your equipment? Also, In Canada, there is chip and password on every debit/credit card. You have to enter the PIN or else the transaction will not be completed. The American banking system is a real mess. So many private banks, different states have different regulations etc. Canada has a central banking system and is more controlled system. Unfortunately, being a "republic" has some disadvantages. All restaurants have a point of sale device where you can "tap" or insert your card. Not once is a card taken from you or is out of your hands. I refuse to hand over my card when I am in the USA. I either pay cash or go to the main terminal or use the tablet that is on the table. You can just tap. I always thought it was wierd that US restaurants take your card. |
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Post by boys5times on May 17, 2023 2:23:52 GMT
Once in 30 years. But the credit card company (Discover) CALLED me before they let it go through. (It was like an $800 vacuum to be sent to another state). One other time I ordered a new computer, and booked an all inclusive resort in Jamaica, and then flights, and they called me on that too before they let it go through.
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Post by boys5times on May 17, 2023 2:29:01 GMT
I did have them decline me once though, I put a travel alert on telling them I was going to Jamaica and then Belize. My underwater camera broke in Jamaica, and on our layover in Miami we took an uber to Best buy so I could get a new one, and card was declined. Talk about embarrassing! But I called them then and there and they let it go through.
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Post by tuva42 on May 19, 2023 16:54:25 GMT
If you use your credit card to make online purchases, never, ever do it using public wifi. Your information can easily be stolen by hackers that way. Only use your credit cards online if you are on secure wifi at home. People love to kill time sitting in airports browsing websites and shopping. Thousands of people a year have their credit cards stolen over airport wifi. Same goes for coffee shops, malls, etc.
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Post by katlady on May 19, 2023 17:00:49 GMT
If you use your credit card to make online purchases, never, ever do it using public wifi. Your information can easily be stolen by hackers that way. Only use your credit cards online if you are on secure wifi at home. People love to kill time sitting in airports browsing websites and shopping. Thousands of people a year have their credit cards stolen over airport wifi. Same goes for coffee shops, malls, etc. Yes to this! I wait until I get home to make online purchases. If it is something that can't wait, I make sure I am using my own mobile data and not someone's wifi. |
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Post by katiescarlett on May 19, 2023 21:13:57 GMT
I am at a loss here. I use my CC (Chase Sapphire if it matters) for everything (points). I pay it off in full every month. * I do not store my CC on retailer's websites. * I am not cavalier about protecting my CC info. * The only things I have on autopay from the card are any TV apps that I add and pause as desired. That said, my card is regularly compromised. At least once a year. It was compromised in December and replaced (the bank caught it). The other day I caught a $1200 charge in Canadians funds (I am in the US) for a hotel in Amsterdam. So, it's been compromised twice in six months. My bank is amazing and always handles everything without missing a beat, but it is a pain for me since as I said above, I use my card for everything. I am also a bit concerned that my bank could drop me based upon how often my card is compromised. They have NOT said anything to make me feel that, but I mean, how long till they cut their losses with me? If you use your CC daily, how often is it compromised? Is anyone else dealing with this happening as often as I am? If so, what, if anything have you done to help resolve the problem? I feel like I need to go in to the bank and speak with them, but will they have any advice that I don't already follow? Any bankers care to chime in? This is us. We pay everything on one card and pay it off each month. However, we have everything on autopay. Our card is also frequently compromised. Recently, it was compromised 3 months in a row after we changed the card each time. Our bank has always caught it but it is a huge pain to go in and change everything over. After it was compromised back to back to back, the bank did some investigating and I can't remember exactly what the issue was but something about some card that was attached to my phone. And each time we got a new card it was automatically changed to that new card on my phone and the hackers had access to it somehow. Once that was removed all has been good for a while now! |
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