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Credit Debit card fraud

Discussion in 'Off-Topic Discussion' started by 1lowlife, Aug 29, 2021.

  1. Aug 29, 2021 at 9:34 AM
    #1
    1lowlife

    1lowlife [OP] Toxic prick and pavement princess..

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    Just a reminder to keep an eye on your bank and credit card accounts.
    I check mine every morning.

    I noticed a pending charge on my debit card yesterday for $225.21 to Trip.com.
    Called the bank and we went thru the last 4 days of charges and were and weren't mine.
    The Trip.com was the only one that wasn't mine.
    They told me in the last 3 days, 6 attempts to use that card were declined because of the wrong exp date was given.
    Some of these were Disney for $350, Knotts berry farm for $452, American Airlines $650, etc...

    If you think about it, if someone has your card number, figuring out the exp date would not be that difficult.
    The first 2 numbers are going to be 01 to 12 and the last 2 will be 21 to 28 or so.
    I thought you'd have to have the security code on the back of the card to buy online, but guess not..

    Anyway, just thought I'd pass that on to the peeps.

    I gotta finish mowing..:thumbsup:
     
    Last edited: Aug 29, 2021
    WBW, Cthulhu, YardBird and 14 others like this.
  2. Aug 29, 2021 at 9:54 AM
    #2
    Jernik

    Jernik New Member

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    This is why I cut up the debit cards as soon as they're sent to us. I don't want to give some jackoff another opportunity to hit the account I use to pay my bills. We keep multiple credit cards. If one of those gets hit, we cancel it and use one of the others until replacement cards come. If I need cash, I walk into the bank.

    Also, set up alerts. I get a text or email for any charge billed to any of our cards or accounts. Some of them allow the option to alert on deposits and posted payments.
     
    Geezer, Black Wolf, T-Rex266 and 3 others like this.
  3. Aug 29, 2021 at 10:23 AM
    #3
    1lowlife

    1lowlife [OP] Toxic prick and pavement princess..

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    I have 2 checking accounts, 1 for bills and 1 for general spending.
    I think I'll start using one of my credit cards for daily purchases.
    They all have 0 balances.
    Just pay them off as soon as the charges post.

    This also made me think I should probably turn off over draft protection on that spending account.
    I never use it, don't let the accounts go to zero
    But if someone did get a hold of the card info, not only could they clean the checking account out, but also anything in the account over draft draws from..
    Makes me wonder why I even have over draft??
    I think maybe I should just cancel all my over draft setups..:eek2:
     
    GODZILLA and Jernik like this.
  4. Aug 29, 2021 at 10:30 AM
    #4
    DSLKSL

    DSLKSL New Member

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    My CC company sends me an email as soon as I swipe my card. Easy to spot when someone else tries. Also, I second no debt cards ever. My Credit union says I have to have a debit card to use the ATM's so I siad ok set it for ATM only and they did:)
     
    Jernik, 1lowlife [OP] and YardBird like this.
  5. Aug 29, 2021 at 10:42 AM
    #5
    omgboost

    omgboost The Accountant

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    I had a debit card that I never used for a bank account. I never carry that card with me and never registered it anywhere or have the number entered anywhere. I hid it away somewhere in the house. There was a pending charge on that card for Victoria secret order. I called to tell them it was not me and the charge for declined. No clue how they got the card info as bank said it could have been an inside job (ie. people living with me or have access to my house). Total victim blaming but sure, my wife wanted to buy something and use my card which she don't know where my card was hidden.
     
    Jernik and 1lowlife [OP] like this.
  6. Aug 29, 2021 at 11:50 AM
    #6
    2020_SSM_XPTundra

    2020_SSM_XPTundra New Member

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    I highly recommend adding two factor authentication to all your email and bank account apps/logins. In addition set up both text and email notifications for ALL activity (charges, deposits, transfers). Call it overkill but I've been burned in the past and will never let it happen again.
     
  7. Aug 29, 2021 at 12:03 PM
    #7
    BuckWallace

    BuckWallace Ball don't lie.

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    I work in banking and used to work in a branch/retail environment. I always advised my customers to just use their credit card if they have one, as long as they treat it like a debit card and can be responsible and diligent about paying it off every month. You can usually earn some sort of reward by using a credit card, and if there is ever fraud it's much less disturbing to deal with. Debit card fraud takes cash straight out of your checking account, and while you're still protected, the process to get your money back is usually longer and takes more effort. Credit card fraud doesn't involve taking any money out of your account and is generally instantly resolved.
     
    GODZILLA, BossHog, Jernik and 4 others like this.
  8. Aug 29, 2021 at 12:35 PM
    #8
    T-Rex266

    T-Rex266 Sushi, and Teslas Staff Member

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    ColoradoTJ, GODZILLA, Jernik and 6 others like this.
  9. Aug 29, 2021 at 12:45 PM
    #9
    FlyingWolfe

    FlyingWolfe Wolfie

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  10. Aug 10, 2022 at 9:08 AM
    #10
    jeffw6236

    jeffw6236 New Member

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    I got hit recently by a gas station credit card skimmer. I now use Apple Pay anytime it’s available.
     
    Geezer likes this.
  11. Aug 10, 2022 at 10:27 AM
    #11
    Windsor

    Windsor New Member

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    I use CC to pay for everything and pay it off the day before the statement closes to avoid interest. This also keeps the CC company "happy" in keeping the accounting open and increasing my limit every 6 months even with a zero balance. All cards are linked to my phone to let me know of any charge.
    Debit card is only used to pull cash from an in network ATM if I need it and the bank is closed.
     
  12. Aug 10, 2022 at 10:32 AM
    #12
    BayRunner

    BayRunner I’m here, except when I’m not

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    My cards are setup so that if suspicious activity occurs the card gets locked and a text message is sent to me asking to verify. If I reply to the text as valid, the card is immediately unlocked. It has worked out well and I like the process.
     
    FlyingWolfe likes this.
  13. Aug 27, 2022 at 2:53 PM
    #13
    accidentaljosh

    accidentaljosh New Member

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    Thanks for the tips. I don't check my credit cards every morning because they're pinned to my phone number anyway. Every time I want to use the card, I first confirm access via an SMS code, you know. This is much safer than just using a credit card or bank card in any application without protecting access to my money. I'm responsible for all accounts and services because I like to keep everything under control. Now I use a great credit card that I found on https://www.youngandthrifty.ca/best-cash-back-credit-card-in-canada/. My friend sent me this link to choose a suitable bank in Canada. I like my current big cashback from every purchase I make. I value savings and their safety.
     
    Last edited: Aug 29, 2022
  14. Aug 27, 2022 at 3:00 PM
    #14
    Festerw

    Festerw New Member

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    We stopped using our debit card for anything other than ATMs after the 2nd time our account got compromised and it took weeks for our money to get refunded.

    We're going on 10 years with AMEX and the only issue we had was handled within 24 hours and a new card was there within a couple days.
     
    Cpl_Punishment likes this.
  15. Aug 27, 2022 at 3:07 PM
    #15
    eick

    eick New Member

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    Debit card is for atms only. And Costco since they don’t take Amex.

    I use an Amex for everything else. Literally everything else. Every bill and purchase goes on that card with the exception of my mortgage.
     
    Cpl_Punishment and YardBird like this.
  16. Aug 27, 2022 at 3:47 PM
    #16
    YardBird

    YardBird Native San Diegan

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    I used a debit card from a major bank to purchase fuel at a reputable gas station. Shortly thereafter I ended up with a bogus debit on my account.
    The bank made good on it straight away, but I'm done with the debit card ~ I had it canceled.
    Then I had another issue with a major credit card company. I have no idea how these scammers got ahold of my account number etc.
    Again, the card company made good on the bogus charges, I had them issue a new card with a new account number.
    The thieves are becoming more and more sophisticated every day. Lucky for me I had alerts on all my accounts and dealt with the issues right away.

    Your mileage may vary . . .
     
  17. Aug 27, 2022 at 3:55 PM
    #17
    BTBAKER

    BTBAKER New Member

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    I suggest locking your credit as well. I use all three bureau apps and it’s seem less.
     
  18. Sep 1, 2022 at 11:11 AM
    #18
    EC1

    EC1 Ask about our BumperShellz Vendor

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    I almost exclusively use my credit card for EVERYTHING. I keep about $200 in my checking account and the rest in savings. When I make a purchase, I pull from savings and pay off the card.
    The bank is going to care more about THEIR money than YOUR money if the information gets stolen.
     

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