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Apple Pay - Stolen Credit Card

T

Trik

macrumors 6502
Original poster
Jan 18, 2011
374
1,219
Washington, DC
Wanted to post a unique experience I had, not sure if it has been discussed yet.

I have my Chase CC linked to my Apple Pay on my phone. This past weekend I noticed that there were some erroneous charges on my account, they were all purchased online, but in the DC area (where I live), so I suspect that someone copied my credit card number while at a restaurant or bar or something, and was using it to purchase things (Panera bread, a scenic Railroad adventure, etc). That's not the interesting part though, that's just some background.

Today I was on the phone with Chase Security and Fraud, they cancelled my card and issued me a new card. They said that my new card would arrive in about 5 days. The waiting for a new card part is always annoying, luckily I have other cards to use, but no sooner did I hang up with them when I got an alert on my phone from Passbook saying my new card was available for use.

Chase cancelled the card I had linked to Apple Pay, issued me a new card, and Passbook updated that info and it was available to use 5 min after I hung up the phone with Chase. That's the awesome part. If more places accepted Apple Pay, it would almost be of no inconvenience at all. Just a very cool feature that I was not expecting. I figured I would have to wait until my card arrived and then have to link it to Apple Pay the same way I did the old one. I even know the last 4 digits of my new card number because it's in Passbook. Awesome!
 
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Same thing happened to me with Wells Fargo last year. I had no idea that the bank could auto update your CC on your phone or watch. Very cool, and a little creepy (not knowing about it)
 
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That's normal, it's a feature of Apple Pay. If your card is stolen or expires, it is automatically updated to the new card with new code and expiration date.
 
Yup, one of the benefits of Apple Pay essentially.
 
Not my Bank of America Mastercard. I received a new one because they said it may have been compromised. The new card was mailed, I received it, activated it over the phone and received a notice on my phone that my old card was no longer valid for ApplePay. It did not update my ApplePay. I was required to change the info on my phone, my watch and my wife's watch. The process only needed the number to be added and a text message verification but it was not automatic.

I have however seen my Visa debt update the expiration automatically but not as much luck with the replacement card as you guys. Still, worth it though.
 
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