scrapaddie
Drama Llama
Posts: 5,090
Jul 8, 2014 20:17:31 GMT
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Post by scrapaddie on Jul 12, 2014 18:31:09 GMT
I applied for a received a Bank of America credit card because it has no fees when traveling out of the country. Since I haven't needed it yet, I haven't activated it. After visiting relatives, I came home to find a message warning me of possible fraudulent use! Someone used my account to charge 140 online! How?!!! I've never used the card. If someone had somehow gotten into my wallet, wouldn't they have taken some of the 200.00 I had in there? Or a card that didn't still have the sticker with a number to call? And I really have no idea how/when someone could have gotten to it. It is buried so deep in my wallet that I had a hard time finding it!
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Deleted
Posts: 0
Mar 28, 2024 21:58:06 GMT
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Post by Deleted on Jul 12, 2014 18:35:55 GMT
They don't need to get into your wallet. There are card readers that all they ahve to do is walk past you with their reader and it will read all magnetic encoded strips in your bag. The information could have also been compromised at the bank level before you even got the card.
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scrapaddie
Drama Llama
Posts: 5,090
Jul 8, 2014 20:17:31 GMT
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Post by scrapaddie on Jul 12, 2014 18:43:53 GMT
This card has one of those chips, like they use in Europe. Can those machines read those, too? I am thinking it happened at the bank....
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Post by myshelly on Jul 12, 2014 18:43:54 GMT
The number could have been compromised at the bank level.
Even if *you* have never used your card, your card number is in the bank's computer and the bank's online records.
The bank's computers and records can be compromised just like yours can.
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Deleted
Posts: 0
Mar 28, 2024 21:58:06 GMT
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Post by Deleted on Jul 12, 2014 18:48:09 GMT
It is a very bad idea to leave your credit card with the sticker on it. You really should call and validate it and sign it right away. I know yours was compromised anyway, but you really need to authorize your new card right away.
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julieb
Pearl Clutcher
Posts: 2,845
Jul 3, 2014 16:02:54 GMT
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Post by julieb on Jul 12, 2014 19:59:19 GMT
I agree! Why wouldn't you authorize it even if you aren't going to use it right away? I would think that if you waited too long they wouldn't even authorize it and would want to issue you a new one.
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Post by OntarioScrapper on Jul 14, 2014 0:27:43 GMT
This card has one of those chips, like they use in Europe. Can those machines read those, too? I am thinking it happened at the bank.... Yes. I Canada we also have some cards with chips. I refused to get a "wave and pay" or "tap" kind of card because Marketplace made me scare of them! I like the chip because I have to put a pin in to use it. Though from what Marketplace said you have to have that "wave and pay" or "tap" feature for the machines that swipe your information to steal to work. Unless those machines have been upgraded since then. I hate crooks! Sorry about your card. But it is good to have it activated and to check the account every few days online.
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scrapaddie
Drama Llama
Posts: 5,090
Jul 8, 2014 20:17:31 GMT
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Post by scrapaddie on Jul 14, 2014 0:42:52 GMT
We'll, if the new one comes in time, it will be activated right away. I am leaving the US soon!
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Post by Basket1lady on Jul 14, 2014 4:57:55 GMT
It seems very weird! I'm assuming that you verified with your bank that it had been hacked? I've gotten phishing emails of that sort before.
When I used my BOA chip card in Europe, I never used it with a PIN. I thought the chip was there to make it harder to duplicate.
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Post by scrapsuzy on Jul 15, 2014 1:14:28 GMT
My dh just told me tonight that his Chase Slate card had been hacked. He only used this card for a 0% balance transfer, and makes no purchases with it, nor does he even carry it in his wallet. Someone tried to make several purchases at Home Depot last week with his card number, but the charges were denied. Chase actually called him about it, and they are sending him a new card.
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Post by krispin41 on Jul 15, 2014 1:18:31 GMT
There are also random card generators. My debit card got compromised once and my bank called me when it was highly unlikely that I was in Asia...also they did not have the three number code on the back of the card on the order they were placing.
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Post by aljack on Jul 15, 2014 1:56:20 GMT
I really dislike reading things like this. It's a reminder to me to be villi gaunt about checking accounts frequently.
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Post by smokey2471 on Jul 15, 2014 2:54:12 GMT
That's crazy!
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Post by angel97701 on Jul 15, 2014 4:32:05 GMT
When we had mass credit card fraud in our area we were informed by the Sheriff's Department that some crooks make copies of cards (without even having our card) and sell them . . . they are used until they will no longer accept charges! We had almost an entire Southern California vacation charged on one of business account! Close to $7,000!
It was five different banks in our area, and I thought ours would be helpful because it was the least used card on the account. In the months prior it had been only used at about 7 businesses. They never caught them!
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Deleted
Posts: 0
Mar 28, 2024 21:58:06 GMT
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Post by Deleted on Jul 15, 2014 5:24:52 GMT
Twice I've been involved in a scam where the company sends me a replacement card at expiration time, but the replacement never arrives. So I've called to ask for it, they shoot out another one, and within hours after I activate it, the plate is being used in Times Square in NYC. I am sitting at a home office in Indiana. There's a mole inside the credit card company that holds on to the initial mailing, waits for the duplicate cards to activate, and then we're off to the races.
The first time, it happened with Discover. The second time it was Mastercard, and I warned them to generate a new number, not just send a duplicate because I'd read this story before. They didn't listen and sure enough, the fraud department was on the line next.
Julie
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Post by NanaKate on Jul 15, 2014 16:54:46 GMT
Amazing!
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Post by lindywholoveskids on Jul 15, 2014 17:03:20 GMT
as long as the CC company knows about it, you are fine. yes, activate it asap.
and, as people are saying, your card can be compromised in a number of weird ways. those people are smart.
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sharlag
Drama Llama
I like my artsy with a little bit of fartsy.
Posts: 6,573
Location: Kansas
Jun 26, 2014 12:57:48 GMT
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Post by sharlag on Jul 15, 2014 17:07:07 GMT
Why activated it asap?
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Post by myboysnme on Jul 15, 2014 17:21:01 GMT
Three of us in my family had our cards used fraudulently last year, in different states at different times when we had the cars in our posession. There is a market for card blanks - the card doesn't have your name on it or anything, just the numbers that have been stolen. People buy them and use them knowing they will generate a fraud alert but by the time the card is deactivated they have already made several quick purchases.
Walmart is a major place for using these card blanks because they don't check the card. Also if you order online they need the other info from the card that these blanks don't have. Gas stations are the otherp lace they get used alot because you just swipe at the pump and pull away, so someone can use a fraudulent card and just put in as much gas as the card will authorize.
On one of my acocunts it was attachedto my son's college savings and at first Walmart declined the purchase but then they retried it and money transfered from the college fund to cover the purchase.
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valincal
Drama Llama
Southern Alberta
Posts: 5,610
Jun 27, 2014 2:21:22 GMT
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Post by valincal on Jul 15, 2014 17:29:19 GMT
I was surprised when I was in the States a couple of weeks ago that the POS card readers didn't accept my CC chip/PIN. Made me a little nervous at the stores where they didn't ask for ID. When I was in Europe earlier this year the card readers read the chip and a PIN was required.
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