Posted: 3/30/2016 10:11:23 AM EDT
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I'm so damned pissed about this. Some asshole attempted to buy $100 stuff and a nearby Wallmart and over $300 at a hotel with my Discover card. Luckily it was detected and the purchases were denied, but now I have to get a new card, redo all of my direct pay bills, etc...
Not sure how they accomplished this since supposedly they attempted to use the actual card (not just the number) at the Wallmart and I still have my card. It wasn't stolen. This isn't the first time this has happened either. I'm glad I'm not out any money, but it still sucks that some jackass tried to steal from me! 
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| Join the club. Happened to me 3 or 4 times now. The last time I was cool as a cucumber about it. The CC company will send you an affidavit, sign it and return it. Ask the CC company for virtual CC#'s, they will provide them, use those virtual numbers to set up your auto-draft(s). If a virtual # gets hacked it won't impact your physical card. |
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Yeah, got me (again) last week. They managed to run up over $600 of charges before the card company stopped pay.
These fuckers get a card number then cut cards. They apparently have the technology to manufacture the magnetic strips on the back of these cards,so they can have a physical card to swipe at the terminal. My card had a chip, but until everyone at the retail level gets the chip card readers, they still have the strips. Once the conversion is complete, it *should* be harder to hijack these cards. Of course, internet and telephone transactions will still be vulnerable, and it will only be a matter fo time until crooks start manufacturing the chips. |
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The frequency seems to have really increased in the past few years. The first time it happened was around 5 years ago, and since then I've gone through probably 4 cards because of fraud.
I remember when the expiration date on a credit card actually meant something. I never get close to that date anymore. This is why I almost never use my bank debit card. |
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It is surprising that it hasn't happened to everyone at least once, unless they are new to credit cards.
I have been hacked 5 or 6 times now. How your bank handles it is the key. One time they didn't give any details or ask any questions, just called to tell me my cards were dead and that new ones would arrive in 24 hours. Compass bank let them hack my card ten times in a row. Even after telling them it was hacked, they let additional transactions go through and would not help me. I closed every account and CD right on the spot for a cashiers check. I had to leave the hack amount in my checking until they could unfuck themselves. Funny how the manager wants to talk to you when you remove your money. Fucking assholes. Chase has been good to me. One fuck up and I go to a less convenient Credit Union without a cash back card. 
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Last year some scumbag in Houston got hold of my Walmart-dot-com password and tried to buy an iPad 2, and not even the good one (16GB, WiFi only). Walmart flagged and killed it before it even got back to my credit card company. I normally don't allow sites to store my payment info, so that little incident inspired me to go through my accounts and clean them up.
It happens. Take whatever you can learn and move on. Obsessing over the lack of ethics/justice in the world isn't going to improve anything. |
| It's a pain, but your card should offer $0 fraud liability, meaning you don't pay. The max they're allowed to keep you on the hook for by law is $50. If your card doesn't offer $0 fraud liability, get a new one. They can make credit cards now out of hotel key cards - it's not difficult and this will keep escalating. The EMV chip is supposed to cut down on a lot of this, but the useless POS thieves will always find a way to be lazy and not actually put in a day's work. |