Credit card hacked
 

I just had a call that my card was misused. The most recent valid transaction was at a local restaurant. After that use , that same evening, my card was misused. This does not mean that the restaurant or any of their employees were involved. I called the restaurant to let them know. I did that just in case this was not the first time it happened.
If your card is misused please call the last place of valid use to let them know. It may help if a pattern is developing.

Yes this is a very frustrating issue and a card owner can't really know if his/her information was sold from a previous hacking of a company Target, etc or with a recent purchase.. Master Card and Visa are too slow in responding and now fighting over the use of PIN numbers.

Check where you buy gas, its very easy to skim your card @ gas stations

It's happened to us only twice...and both times it was after visiting and paying at two different TV restaurants.

Yep, probably going to get worse with the 1970's credit card system the USA uses. Some body could of scanned it while you was using it anywhere behind you in line or just close to you they could of skimmed it in your pocket or purse. Or the business you made teansaction in could get hacked which several have recently.

What better place to skim than the villages filled with older rich generation (someone said outsider's consider villagers rich)

Until the USA Comes into the 21 century with credit card technology. I am very careful were I us it. Only use devet bank card in last chance emergency. Which I have yet to have.

I've worked too hard for our money and not going to just willnelllie take chances loosing it. Cash is king in most places IMO.


I think some people even use their credit card or divit card at pay at pay toilets. I never liked the idea at restaurants taking my credit card out of my site. To pay the bill.

Strange...........
 

About a week ago I received a call from a Visa Security office about questionable purchases in Orlando. I had not made them, so the card was cancelled. They mailed me a new one.

Three days ago I received a call from Visa Security that my replacement card account had apparently be compromised because of a filing to change my account e-mail address to Miami. That one was also cancelled. I had used it twice; at a restaurant in Gainesville and at a pharmacy in Tampa.

Strange.......................

When traveling to TV from Michigan , my husbands debit card was hacked and used for two small purchases in Fort Lauderdale. We believe the card was compromised at a Chick Fil A on our way down. We called our bank immediately after seeing the two charges. They cancelled his card, said they would refund the charges, which never happened. Get this, because the charges were made in Florida and we were in the state at our home,in TV, we had to have made them! They called us liars on several phone conversations. It took 3 weeks to get a new card, but in the meantime we opened a new account down here and moved most of our funds to that new account. So having your card hacked could only be the beginning of your problems...

Perhaps part of your problem in getting the charges cancelled is that it was a debit card.

Yes it was a Debit card, but you still have the opportunity to dispute the charges and we weren't even allowed to do that. We were talking about a little over $18.00 and it wasn't even the amount, it was the fact that the bank said if we were in Florida, we must have made those charges. We did get the final say, as we moved a huge amount of money to our new bank down here and that DID get there attention...

We had a 8.000.00 transfer from our credit card. We were notified by our card account. They stopped it and gave us new cards. One day later same thing. We got rid of our online account and it stopped. Just saying.....

We try to have cash for a restaurant (employees skim them). I also have a debit card to use at gas stations and restaurants and we carry a very low balance on it. You can also get one of those metal wallets that prevents people from skimming your card while you are in line.

I don't "ever" use my Debit card anymore. If the thieves are going to hack my card, it's not going to be my personal savings they are going to get hold of. I got a new Debit card a month ago due to normal expiration and I still haven't called to activate it.

I'm using ApplePay at every place I can these days. I'm hoping that more and more places acquire NFC terminals so you can use ApplePay in more places.

With ApplePay, no one gets your credit card number, name or anything. All they get is the payment...

Google Wallet is very similar....

Anyone else using ApplePay?

I use Google Wallet and I am very pleased with it. Google has announced that new features ( to compete with Apple Pay....) will be coming soon. As soon as more NFC terminals come into play, no more Credit Cards for me.

Freeze your credit
 

Carl, Chase bank numbers were rippied off earlier this year.
My card number was used in Brazil.
Someone called Chase to try to get through security questions to do identity theft and failed the screening.
Chase called me at that point.
My social sec number, and heaven knows what was sold.
As Chase has my mortgage, there may be endless info involved.

My advice to everybody is to freeze your credit by writing letters to experian, transunion and the other reporting agency. There is no charge if you have been compromised or are a senior. You have to call one of the agencies in order to approve any additional lines of credit.

That's awful. What bank did this? I'd like to avoid it.

I have been with a local bank in the area I live in, Adrian, MI for over 25 years. They probably had 15-20 branches in our area and in Ann Arbor. It was United Bank and Trust. They would have never treated their customers this way. Several months ago they sold out to Old National Bank and they have gone downhill from their. Our debit card was just one of many problems and why we didn't hesitate opening an account at Bank of America down here. We don't have one in Adrian any longer, but can get to one in 30 min. if need be.

Since it was your debit card, isn't this a problem with your bank and not the cc company? I have never had that happen when my cc was fraud ex. I never use my debit card for anything other than withdrawing cash at bank atm's. You could have your bank account cleaned out, and banks are much slower to recognize and fix cases of fraud.

Do you use this with your iPhone? What happens if the battery goes dead? I see people using their cell phone for boarding airlines. My phone is constantly going dead because I forget to recharge it. Guess I would have to train myself to recharge every night.

What if your phone gets stolen or lost? What's to say some smart tech type couldn't hack into the phone?

I try to use Google Wallet when ever I can. It is very convenient and secure. If the phone was ever lost or stolen I have the ability to lock or even wipe the phone remotely if need be and make it unusable. As well as track it and it takes a photo of the culp-rat.

You can also put a freeze notice on all three credit reporting firms that you can unlock at any time for a minimum fee. This way if anyone tryed to open an account in your name they would be blocked. You can unblock it if you know that a transaction like applying for a home or auto loan is going to take place.
I was happy to hear about the credit reporting firms giving the public this access. Not to many people are aware of it however.

Yes, I use my iPhone. But, it has to be the new iPhone 6 or 6 plus.

I never let my iPhone go dead....It'll last all day and I plug it in every night, before going to bed. But, if it would go dead, I'd just pull out my credit card and pay as I normally would. Plus, be advised, there aren't that many places that take ApplePay or Google Wallet or any other electronic payment system yet. Around the Villages, it's Walgreen, Paneras, and Winn Dixie, right now. Outside the Villages, it's accepted at McDonalds, Macy's and a host of other stores.

Security....all of your information is encypted on the iPhone; not stored in iCloud or anywhere else. The authorization code to use the card is my fingerprint and only my fingerprint...no other codes for someone to steal and input. Same fingerprint unlocks my iPhone.

Given the alternatives, ApplePay is very secure and most banks are jumping on the bandwagon....

Hope this helps...

Credit cards and debit cards have different consumer protections. There are major differences.

Based on this knowledge, we do not have or use debit cards. If your bank gives you one (or tries to give you one) that works as an ATM and/or debit card, ask them to give you an ATM card only (with no VISA or MC logos), to be used only for ATM transactions.

Use your credit card for all other vendor transactions. You have better consumer protections using a credit card, than using cash or checks, especially for major purchases and services.

My credit card was used in Pittsburg at a Walgreens to buy a $100 gift card. The transaction was swiped and the card was with me here in FL. WG tells me they can get your number and clone a card with the info. My bank refunded the charge. Happened in Dec. My bank contacted me wondering if it was a fraud.

Did you use your debit card or credit card?

How does Applepay work and how to I sign up for it? I do have an iPhone 6. Who do I contact?

I believe apple pay is preloaded on your iPone 6. If so, all you should have to do is open it and follow the instructions.

Very sad to see these comments. Our account was hacked too, by a restaurant here in TV. We use cash now.

It is sad to read these comments. Our credit card was hacked if you will after a visit to a TV restaurant. We use cash now, for restaurant bills and when we get gas.

ApplePay is very easy to setup on your iPhone 6 or 6+. Here's really good video tutorial on how to setup a card.... Of course, you can setup as many cards as you wish and that have been OK'd for ApplePay.

It's possible that you card is not available to be used with ApplePay, so you might need to contact your bank. You can also go to the Apple website to get a complete listing of banks that support ApplePay, as well as retailers that accept payment via ApplePay.

https://www.youtube.com/watch?v=8kNLTFAdS4A

I buy a lot online (Amazon etc) How will Apple Pay work in these cases?

Would be nice if you told which restaurant.

How can you be sure that it was at the restaurant??
There are many ways to hack and there is often a long time between the hack and the illegal transaction.

You make a good point, Challenger. Many people blame the last place they used their cc, but it is usually someone hacking offsite, not stealing the card number in a restaurant or store.

Our cc company is very good at detecting and/or immediately refunding fraud cases. There are so many protections you can set up online too. I know immediately via email when a charge is posted to our cc. We travel a lot and could never rely on cash only. We would be shut down without a cc. Maybe eventually they will invent a smart phone with a battery life we can trust, and then we will go to paying that way. But not yet.

I check my cc accounts on line every morning and often during the day. I can go to Publiz and prior to arriving home the transaction appears on line.

I use Applepay and have setup my AMEX card on my iPhone 6. If I swipe my AMEX card in a store where Applepay is not taken I receive an update from AMEX of the amount by the time I've left the store.
If my card was swiped twice I see 2 transactions.

We had our Chase Visa card hacked while on vacation in New Orleans a couple of years ago. We also suspect a restaurant employee at a place on Bourbon Street. That was the last time we used the card until 36 hours later when we stopped for gas at a gas station in Mississippi on our way home and the card was declined at the pump. In the 36 hour period the card had been used to charge over $3,000 worth of purchases at Toys 'R' Us, Target, Walmart, etc. (it was just before Christmas). Chase Fraud Dept. was wonderful and we had a new card overnighted to us by the end of the next day. Try to sign up for cell phone and/or email text alerts by your credit card provider.