My credit card got pwned!!

Discussion in 'Community Discussion' started by me_94501, Apr 18, 2008.

  1. me_94501 macrumors 65816

    me_94501

    Joined:
    Jan 6, 2003
    #1
    So I got a call from my bank earlier today asking me to confirm a series of credit card transactions on my debit card. I pulled up my online banking account, and sure enough, there was a series of transactions I didn't authorize.:eek: I didn't lose my card. It didn't get stolen. I'm careful when I use it online. I can only assume a clerk at a store got hold of my card number.

    My bank is going to cancel that card an issue me a new one, of course, but I'll be keeping a close eye on my account for a while.

    Has this happened to anyone else?
     
  2. techlover828 macrumors 68020

    techlover828

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    Jun 28, 2007
  3. c073186 macrumors 6502a

    Joined:
    Nov 2, 2007
    #3
    It has not happened to me but I have heard that one of the easiest ways to get your info stolen is at restaurants. If you think about it, when else do you give someone else your credit card and let them walk away with it, where you cannot see them? Makes sense to me. (Not saying that happened to you, but could have).

    PS: Are you liable for the charges or do you have like a $50 cap and then your credit card company will reimburse you since it was an unauthorized transaction?
     
  4. me_94501 thread starter macrumors 65816

    me_94501

    Joined:
    Jan 6, 2003
    #4
    I'm not entirely sure about the cap, actually. I should check into it.

    Luckily the charges were still "pending" so I haven't officially been charged for any of the fraudulent transactions. The rep at the bank I spoke to said to call back if any of the charges do go through. *crosses fingers*
     
  5. GimmeSlack12 macrumors 603

    GimmeSlack12

    Joined:
    Apr 29, 2005
    Location:
    San Francisco
    #5
    Lame.
    What bank do you use? That's cool that they called you and are cancelling the bad transfers.
     
  6. jonbravo77 macrumors 6502a

    jonbravo77

    Joined:
    Feb 20, 2008
    Location:
    Phoenix, AZ
    #6
    I've had this happen a couple of times on my debit card and my wife's. Same situation, didn't lose the card or anything like that. My bank canceled the card and did an immediate temporary return of the funds that were fraudulent. They investigated and found it was fraud.

    It wasn't to bad other than we had a few bills that would automatically come out of our account using that card number so we had to call up those companies and switch the card numbers. Overall our bank made it a decent experience, could have been worse I guess.

    Peace:cool:
     
  7. iJohnHenry macrumors P6

    iJohnHenry

    Joined:
    Mar 22, 2008
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    On tenterhooks
    #7
    I go where my card goes.

    If the business doesn't like it, too bad.
     
  8. GSMiller macrumors 68000

    GSMiller

    Joined:
    Dec 2, 2006
    Location:
    Kentucky
    #8
    Online banking is one of the greatest inventions ever. If I couldn't pay for mine and monitor transactions on the internet I probably wouldn't even have a credit card.
     
  9. Abstract macrumors Penryn

    Abstract

    Joined:
    Dec 27, 2002
    Location:
    Location Location Location
    #9
    I always use my credit card, but never at a restaurant for the reason you mentioned. Why should I give someone my card? They can swipe it, keep the number, and just memorize the 3 digit security code on the back.
     
  10. Surely Guest

    Surely

    Joined:
    Oct 27, 2007
    Location:
    Los Angeles, CA
    #10
    Why don't you just scratch off the 3 digit code on the back and memorize it?
     
  11. Abstract macrumors Penryn

    Abstract

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    Dec 27, 2002
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    #11
    I didn't even think of that. :eek:


    Is that common practice? Sorry, but I live under a rock.
     
  12. jamesarm97 macrumors 65816

    Joined:
    Sep 29, 2006
    #12
    I had that happen to me about a month ago. Woke up friday morning and checked my account because I wanted to buy something. Saw 4 pending transfers I did not make. Two of them were for something like 247online. I called and it was for a newsgroup account or porn. Only $38 and $40. The other two were for $0 for merchant.com, looked like someone was checking to see if the card was valid. I went right away and cancelled my card and got a new one. After a few days one of the charges went away because I caught it while it was going through. The $38 one went through but I called them and cancelled the account they opened. It was in my name, but for an email at washingtonstate.usa.com or something like that which I looked up and was an anonymous emailer account. I always keep the card with me so I figured someone's system got compromised where I had purchased something before.

    - James
     
  13. Sesshi macrumors G3

    Sesshi

    Joined:
    Jun 3, 2006
    Location:
    One Nation Under Gordon
    #13
    So far, I've had it happen to me twice and both only with cards I used to use for restaurants and hotels. One of the reasons I always pay cash at restaurants (and also leave a cash tip) nowadays.

    Scratching off the CVV seems to be a good idea, although I'm not sure what cardissuers make of that. It's less viable with Amex though.
     
  14. Surely Guest

    Surely

    Joined:
    Oct 27, 2007
    Location:
    Los Angeles, CA
    #14
    Multiple Citicards reps have told me that it's a smart idea. (I always get multiple opinions because I don't trust info I get from only one rep)
     
  15. Prof. macrumors 601

    Prof.

    Joined:
    Aug 17, 2007
    Location:
    Chicago
    #15
    Cashiers have been know to write down your credit card/debit card info while they are ringing you up. They go to the back and "claim" they are going to swipe your card but in reality they are writing down your number and your three digit security code. Also what some ppl do is take a picture of your credit card/debit card using their camera phone.

    I bet that's what happened. It happened to my cousin about 3 weeks ago.
     
  16. WildCowboy Administrator/Editor

    WildCowboy

    Staff Member

    Joined:
    Jan 20, 2005
    #16
    Just happened to me a couple of weeks ago with my credit card...two separate charges totalling ~$700 at a Longs Drugs about 400 miles from my location. Still had the card in my possession.

    I assume it was swiped (most likely at a restaurant) and then they made a dupe of it...very common. Not a huge deal for me, as any credit card company worth its salt provides zero-liability coverage for fraudulent transactions, but I did have to spend some time on the phone and use a different card for a few days while a new one was sent to me.
     
  17. Annndy! macrumors regular

    Annndy!

    Joined:
    Dec 4, 2006
    Location:
    Halethorpe, MD
    #17
    Happened to me, someone pulled my numbers off the Internet. I was lucky enough that my bank caught it and cancelled the card before they made more than a minor purchase (apparently to make sure there was money in the account, according to the lady at the bank).
     
  18. glocke12 macrumors 6502a

    glocke12

    Joined:
    Jan 7, 2008
    #18
    happend to my checking account. scared me enough that I closed that account and opened a new one, and canceled all but one of my credit cards (I had 5)....
     
  19. Mikey- macrumors regular

    Joined:
    Mar 18, 2008
    Location:
    England
    #19
    It happened to my nextdoor neighbor once. They where out at a restaurant and the waiter took their credit card to put in those chip & pin machine and they think he had one of those machines that takes all your cards information and luckily he didn't get away with all there savings.
     
  20. ucfgrad93 macrumors P6

    ucfgrad93

    Joined:
    Aug 17, 2007
    Location:
    Colorado
    #20
    Happened to me about 4-5 months ago. My credit card called about suspicious transactions. They canceled the card and re-issued a new one. Very smooth and painless. In addition, I always record my transactions in Quicken and reconcile it with my statement on a monthly basis.
     
  21. adk macrumors 68000

    adk

    Joined:
    Nov 11, 2005
    Location:
    Stuck in the middle with you
    #21
    Totally off topic, but last night at the bar I discovered that credit cards have an invisible ink that glows under a black light. My visa has a V in the corner, and my mastercard has a large MC in the middle.

    To anybody who just read this post, I apologize for wasting your time :D
     
  22. KingYaba macrumors 68040

    KingYaba

    Joined:
    Aug 7, 2005
    Location:
    Up the irons
    #22
    Another good tip is to set up a PO Box. Direct all mail with your "identifiers" to it instead of your house. Paying bills or having bills sent to you through that PO Box. Drop mail off at the post office directly. Those with mailboxes at the street with the little red flag up means "steal the mail inside me." Nothing irritates me more than to see credit card companies mail me pre-approved applications with all my info on it. There is a government (U.S.) website or something you can call to stop all that...
     
  23. Teh Don Ditty macrumors G4

    Teh Don Ditty

    Joined:
    Jan 15, 2007
    Location:
    Maryland
    #23
    It's happened to me twice with my debit card. Wasn't too happy. I did get a phone call right away though. It's just a PITA.
     
  24. tangledweb16 macrumors regular

    tangledweb16

    Joined:
    Nov 29, 2007
    #24
    That sucks man.....

    I'm going to have to start being more careful.
     
  25. glocke12 macrumors 6502a

    glocke12

    Joined:
    Jan 7, 2008
    #25
    People should also monitor their credit twice a year so. I know of many people who have had their identities stolen and accounts opened up in their name.
     

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