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(Post Link) post #1 of 25 Old 06-11-08 Thread Starter
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credit card theft

I just opened my mail and my VISA statement contains 14 *extra* charges on it.

Each charge was for $100. and they were all from back east, Toronto area, made in 3 days.
$100.
$100.
$100.
$100.
$100.
$100.
$100.
$100.
$100.
$100.
$100.
$100.
$100.
$100.

I haven't been travelling and buying gas/goods from these gas stations.

This means that in the last few charges I made, one of them took my numbers and sent them to someone else.

Nice.

The fraud rep figures they made a new card because I have mine in my hand. He told me to rip it up and they'd send me a new one.

Bit disconcerning to see these charges on my bill.

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Re: credit card theft

Happened to me too a few years back

My new credit card was intercepted (by the mailman?) and stolen!
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(Post Link) post #3 of 25 Old 06-11-08 Thread Starter
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Re: credit card theft

Oh great, they're sending me a new one in the mail. I hope I get it.
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Re: credit card theft

If it's registered, it should be ok.
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(Post Link) post #5 of 25 Old 06-11-08 Thread Starter
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Re: credit card theft

Nope, they just come in the regular mail.
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Re: credit card theft

Same as in England


Not here though.
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Re: credit card theft

It's all about risk....it costs more to send things registered and the question is, how many cards are intercepted in the post and actually used and the losses entailed vs costs for registered post....
Presumably they have to register the cards in Japan because of widespread abuse of the postal service
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Re: credit card theft

bad news CG
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Re: credit card theft

Not good news CG - hope ytour card issuers covers the cost of the debited amounts

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Re: credit card theft

Sorry to hear that and hopefully it gets sorted without too much grief.

A few years back my wife had her card stolen, I didn't report it though as they were spending less than she ever did!
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Re: credit card theft

Sorry to hear that CG.

We had an incident here Christmas time last year when the people in the Petrol station were copying cards and taking out up £1000 from people. It did happen to me but a mate, people from work and my step dad all had cash taken from there accounts. Luckily the people don’t own the petrol station any more
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Re: credit card theft

This just happened to me two weeks ago.

I didn't know about it, I've not had a statement yet, but the bank phoned up because they'd picked up a peculiar series of transactions - a few at a couple of pounds a time, then a series of £40 Vodafone top-ups.

A bit peeved that someone got my details, but pretty pleased with the bank for getting on top of it so quickly.
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Re: credit card theft

Friend of mine not only had a card cloned, but it was signed up to the secure visa thing and he had an email saying his password had changed. That was the first sign he had that something was not right, very worrying.
 
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Re: credit card theft

And they say that this Chip and Pin is safer then ever signing for anything ever again....
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Re: credit card theft

Quote:
Originally Posted by baby278278 View Post
And they say that this Chip and Pin is safer then ever signing for anything ever again....
All it takes is for the person in the shop to skim your card whilst you are paying for something, their friend stands behind you in the queue and watches you enter your number...

Luckily I havent had it done to me, but it has become a lot more common since chip and pin came out.
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Re: credit card theft

Quote:
Originally Posted by baby278278 View Post
And they say that this Chip and Pin is safer then ever signing for anything ever again....
It is pointless, the card still has a magnetic strip. Hence if you don't keep an eye on your card it can be skimmed easily, I think it was real hustle where they showed how it is done with a simple dictaphone.
 
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Re: credit card theft

Sorry to hear about this
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Re: credit card theft

Quote:
Originally Posted by baby278278 View Post
And they say that this Chip and Pin is safer then ever signing for anything ever again....



It is. Chipped cards are not widespread in the US/Canada yet.

Most fraud is now "Card Not Present" transactions.


France has had Chip 'n' Pin for about 20 16 years and has
an exceedingly low CC fraud rate because of this.





Don't worry CG. Visa, Mastercard or AmEx will pay.

Last edited by Nev; 06-11-08 at 20:40. Reason: Dates
 
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Re: credit card theft

Thanks Classicgal.

We have new Chip and Pin cards here. Sadly they retain the Magnetic Strip on the back so they are still vulnerable to 'skimming'

The banks in the UK say it's so we can use the cards abroad where they don't yet have Chip and Pin readers.

Given the amount it's costing in fraud, which I guess at the end of the day as customers we pay for it, they thought it was cheaper than issuing us 2 cards, one with the strip for overseas use, and one for domestic use without the strip.

It wouldn't have helped you, but I kind of baulk at all the marketing stuff about Chip and Pin and how it's so much better. Well it still has the strip so it can still get skimmed.

Not so long ago I had a Eurocheque Card and Cheque Book for use abroad. Having 2 separate cards doesn't seem too off the wall to me.
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Re: credit card theft

Thanks

The VISA rep has told me that he will deduct the 14 charges off my account, thank goodness.
We have cards with nothing but our name on the front and a 4 digit number on the back or front that is supposed to make it secure.
My AMX has my picture on it.
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Re: credit card theft

Quote:
Originally Posted by EddieGTA View Post
It is pointless, the card still has a magnetic strip. Hence if you don't keep an eye on your card it can be skimmed easily, I think it was real hustle where they showed how it is done with a simple dictaphone.
I'm sure that's true - the worrying thing for me is that I've only ever used this card for certain things - paying my ISP and the various hosting companies we use, and buying stuff over the Internet (which I'm pretty careful about).

It's never been 'physically' used, as such, so it can't have been skimmed. So someone has got my number from somewhere that I trusted.
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Re: credit card theft

That sucks but at least Visa are going to cover the cost. I had my card cloned and they took £2 for Cancer Research to test it out, luckily they spotted that I dont do charity and blocked the card. Spoke to Barclaycard and they said that I am not covered against fraud and tried to sell me a policy for £80 Thought all credit cards were covered? Told them to **** off anyway
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Re: credit card theft

Is that right JIm. If you get fraud on your Barclaycard you're not covered? I just got one to replace my Morgan Stanley card when they took over their accounts. They can keep it if that's the case. I'll look into it, thanks for the info
 
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Re: credit card theft

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Originally Posted by alfafamily View Post
Is that right JIm. If you get fraud on your Barclaycard you're not covered? I just got one to replace my Morgan Stanley card when they took over their accounts. They can keep it if that's the case. I'll look into it, thanks for the info
I dont know for sure how much if any cover you get. All I know is that I had some bird on the phone trying to sell me an extra policy as if I dont pay enough charges. I let her give me the sale talk that took like 5 mins and then said nah not interested and then asked her if she was reading all that rubbish or if she remembered it. She wasnt very impressed but maybe if I listened to her I would know the answer
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Re: credit card theft

I think all Credit Cars come complete with Fraud Cover although there is an insurance policy available which extends the cover, to what I don't know.

There was a report on TV this last week about the Insurance Policy. Don't remember the details but I do remember the conclusion - don't bother.

Incidentally a friend has just received a Barclaycard replacement for his Morgan Stanley card, it's going in the bin, again don't know why but there is something he doesn't like about it.
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