hackers have my credit card

[eljefino]

story

Ironically, a couple hours after the story broke, I checked my credit card online. My cc company got the memo and went in full fraud lockdown, so I can't access my unbilled (recent) activity. So I'm powerless to tell them if my card is being used by n'er do-wells, until statement time.

A new card is on the way, but the old one still works, at least in brick & mortar stores...

 

[74 Laguna]

A couple months ago our credit card company called and told us that at 2:30 AM and then again at 4:00 AM someone tried to use our credit card number to purchase airline tickets online from Ireland. The credit card company refused it and canceled our card and sent us new cards.

 

[Pablo]

That sucks.

I did not know full lockdown meant no web access.....so much for security. I guess web and security still aren't in the same sentence with out a negative....

Good luck. Do you have evidence that you personally have been hacked....cyber mugged....or otherwise cc misused?

 

[oilyriser]

They're probably busy cleaning up all the bad transactions, so they won't get flooded with phone calls.

 

[Turk]

I wish you the best!

I guess we're suppose to change our online passwords on occasion - I have thinking about doing that and this will spur me on to do it.

Good luck........

 

[XS650]

Originally Posted By: eljefino
story

Ironically, a couple hours after the story broke, I checked my credit card online. My cc company got the memo and went in full fraud lockdown, so I can't access my unbilled (recent) activity. So I'm powerless to tell them if my card is being used by n'er do-wells, until statement time.


That happened to me a year ago. The CC company (Citi-Bank) would still tell me if any recent transactions had been made when I called them, but web access was locked down.

 

[eljefino]

what bugs me most is my recurring payments will all need updating with new cc numbers, it's bad enough when I have to update the expiration date.

Got a new card a while back "with paypass", whatver that is, and new numbers. Wonder if there was an unpublicised breach.

 

[Drew99GT]

Originally Posted By: tpitcher
I wish you the best!

I guess we're suppose to change our online passwords on occasion - I have thinking about doing that and this will spur me on to do it.

Good luck........


If you read the story, it was a security breach at a grocery store. That's usually how identity theft occurs - an employee somewhere will steal cc numbers and such. Rarely does it come from your personal computer being hacked.

 

[CivicFan]

Credit companies are pretty good at taking care of these kind of situations. They have artificial intelligence style programs that analyze your pattern of spending and red flag suspicious activity.

When something slips through, they are very good at reversing the fraudulent charges.

 

[XS650]

Originally Posted By: CivicFan
Credit companies are pretty good at taking care of these kind of situations. They have artificial intelligence style programs that analyze your pattern of spending and red flag suspicious activity.

When something slips through, they are very good at reversing the fraudulent charges.


There artificial intelligence programs can be overzealous. It's a good idea to let them know if you are going to be traveling extensively, particularly if you are going to be using your card out of the country.

I'll live with the overzealous AI now that I have some idea when I need to advise them of major changes in spending patterns.

 

[Cutehumor]

so what if you don't have the credit protecting monitor for $29.99 a month on your card?

 

[opus1]

Originally Posted By: CivicFan
Credit companies are pretty good at taking care of these kind of situations. They have artificial intelligence style programs that analyze your pattern of spending and red flag suspicious activity.

When something slips through, they are very good at reversing the fraudulent charges.

Amen to that. Had a couple of "situations" last year, one involving my GM card where someone apparently got my number (I'm guessing from a casino I went to on vacation) and ran up, among other things, $1800 at Franklin-Covey online and some sites that sounded like porno sites. HSBC sent me an e-mail and put a big red warning message on my online-account when I logged in and after about 5 minutes on the phone verifying charges, they closed that account and issued me a new card. I never even saw the fraudulent charges online.

Then about a month later, Citibank put a warning on my account and gave me 48 hours to call in and verify what they considered "suspicious" charges or they would freeze my account. That one was my fault, I spent the day at an outlet mall, out-of-state, and their system homed in on a large number of charges far away from my residence. Once I cleared those up, all was right with the world.

I have also received calls when I've made large charges to verify that I actually did make them. On the one hand, it's a bit of a hassle, but on the other, it's good to know that someone is watching out.

 

[Oilgal]

Originally Posted By: CivicFan
Credit companies are pretty good at taking care of these kind of situations. They have artificial intelligence style programs that analyze your pattern of spending and red flag suspicious activity.


That's comforting.

.

 

[Drew99GT]

It's a good thing Eliot Spitzer didn't use a credit card!

 

[Pablo]

That right there is fuunnneee!

 

[eljefino]

AT&T used to have a credit card/phone card called the "universal card". Hey it was the 90s.

I signed up for it at college then when I moved back to campus next september they molested my mailing address and bounced my bills, then charged me late fees. Ironically I got the card from an on-campus recruiter!

If that wasn't bad enough when I was all grown up and living on my own I went on a road trip and bought gas at the pump 2x in a row. They turned my card off and called my parents (had the number on file) and asked if they knew where I was, freaking them out.

I rolled into Wells, Maine on fumes and bought 85 cents worth of gas with change from the ashtray, having run out of paper funds, planning to use that plastic. That got me home to Saco. This was back when gas was still $1.20.

Dumped that card immediately thereafter due to their incompetence.

 

[CivicFan]

Originally Posted By: Oilgal
Originally Posted By: CivicFan
Credit companies are pretty good at taking care of these kind of situations. They have artificial intelligence style programs that analyze your pattern of spending and red flag suspicious activity.


That's comforting.

.


Well, they protect themselves. After all, the fraudulent charges can cost them money, too.