[mtdjed]

Had a Fraudulent charge to one of my Credit Cards recently. Wasn't a high amount but was from Bogota Columbia. May have been missed except that I haven't used the card recently, so it stood out. Long story short, Credit Card Company, reversed the charge and opened a dispute and I canceled the card.

Point of thread is to reemphasize the need to guard access to your card.

How many times have you handed your credit card to a waiter to pay your bill? How many times have you ordered something by mail by credit card , given card number and then provided the sacred 3 digit number on back? These actions put you at risk. Probably far worse if you do the same with your debit card.

Consider all of our recent immigrants that are simply allowed entry with no background checks and then given work permits.

Put it together and use caution. Not saying that all immigrants are responsible, but we are surely increasing the odds.

[asianthree]

Originally Posted by mtdjed

Had a Fraudulent charge to one of my Credit Cards recently. Wasn't a high amount but was from Bogota Columbia. May have been missed except that I haven't used the card recently, so it stood out. Long story short, Credit Card Company, reversed the charge and opened a dispute and I canceled the card.

Point of thread is to reemphasize the need to guard access to your card.

How many times have you handed your credit card to a waiter to pay your bill? How many times have you ordered something by mail by credit card , given card number and then provided the sacred 3 digit number on back? These actions put you at risk. Probably far worse if you do the same with your debit card.

Consider all of our recent immigrants that are simply allowed entry with no background checks and then given work permits.

Put it together and use caution. Not saying that all immigrants are responsible, but we are surely increasing the odds.

In 1993 American Express called and asked if we had our cards? Yes we did. Did we recently have a new baby, or grandchild? No..
Large purchases at different stores, such Babies R US, and Toys R Us.

All totaled, $32,000 charged on that account, all of which they monitored, and finally caught the person. We had new cards in 24hours.

So really card theft has been going on long before recent border issues.

[Bill14564]

So what are you proposing, be safe and don’t use your credit card?

[retiredguy123]

I always pay cash in a restaurant. Almost every online purchase I make is from Amazon, if not, I use a different credit card. I always get an instant email alert whenever I make a credit card purchase. This can be set up as an alert on the credit card website. I never use a bank debit card for any purchase, except that I have a special non-bank debit card with about $100 on it for risky purchases.

[Two Bills]

Originally Posted by mtdjed

How many times have you handed your credit card to a waiter to pay your bill? How many times have you ordered something by mail by credit card , given card number and then provided the sacred 3 digit number on back? These actions put you at risk. Probably far worse if you do the same with your debit card.

If you can remember the three digit code, ink it out on back of card.
I never hand my card to anyone. That is the idea of contactless transactions.
I have to verify my identity on all CC transactions with two part verification, or fingerprint before any payment is made online.
I think CC/online payment security has never been better, and is getting stronger all the time.
JMO.

[juneroses]

"If you can remember the three digit code, ink it out on back of card. - per Two Bills

Seems like a good idea. Never thought of doing it. Thx for sharing.

[charlieo1126@gmail.com]

I eat out most of the time ,I’ve always used my card and give it to server, accompanied with a cash tip, I’ve never had a problem except for 2 random charges in all the years I’ve used a card in and out of the country. I use my card quite a lot and do not use a debit card ever. Your credit card is covered if something happens , debit cards have some different rules I usually get between $15000 and $2000 cash back every year sometimes more , I’m not going to give up using the card and if it’s stolen or used fraudulently it’s the credit card company problem not mine

[villagetinker]

We have had fraudulent charges to a card that WAS NEVER USED except for cash withdrawals at the bank ATM. It appears the bad guys use random number generators and when they get a hit they make some charges. In our case we had ALL internet type charges automatically blocked so while the bad guys tried they never actually got anything from us.

[Bogie Shooter]

Originally Posted by mtdjed

Had a Fraudulent charge to one of my Credit Cards recently. Wasn't a high amount but was from Bogota Columbia. May have been missed except that I haven't used the card recently, so it stood out. Long story short, Credit Card Company, reversed the charge and opened a dispute and I canceled the card.

Point of thread is to reemphasize the need to guard access to your card.

How many times have you handed your credit card to a waiter to pay your bill? How many times have you ordered something by mail by credit card , given card number and then provided the sacred 3 digit number on back? These actions put you at risk. Probably far worse if you do the same with your debit card.

Consider all of our recent immigrants that are simply allowed entry with no background checks and then given work permits.

Put it together and use caution. Not saying that all immigrants are responsible, but we are surely increasing the odds.

Recent immigrants? More concern for the bad guys in Nigeria.

[OrangeBlossomBaby]

I've had odd purchases on my credit card exactly twice. The first, I didn't check to see where it originated, I didn't care, it wasn't my purchase. I contacted the bank, they reversed the charge, and I got a new card. The second was a "test me" charge of 85 cents. Having been instructed in the "art" of credit card fraud, this was a red flag for me immediately. I contacted the bank, told them someone charged something they purchased in Missouri for 85 cents, and it wasn't my charge and was definitely suspicious.

What they do, is they "ping" the number to see if it works. If it does, the next purchase they make will be significantly more. OR they'll sell the number to a criminal listing service that sells them further to people who actually buy stuff.

Immigrants have nothing, zilch, nada to do with this. It's mostly Americans who are the initial criminals. They steal the numbers and get paid to sell them to listing services. Those listing services will sell the numbers online, worldwide, to whoever is willing to pay for them.

[Stu from NYC]

We have had 4 hacks of our sams m/c in past 18 months. Each time they remove the charge and reissue the card.

As a result reoccuring charges never go on that card as it is a pain to change cc numbers with our vendors.

Restaurants could be wear it happens as American restaurants refuse to bring the machine to you so the charge is done in the back and little control over it.

[dtennent]

I was at Pennbrook golf course on Tuesday. We went into the grill for beers afterwards and I bought a pitcher on my credit card. ($11.13 plus tip). Over an hour after we left, a charge came from the grill for $3004. The credit card rejected the charge and notified me. Interestingly, while I have text alerts whenever the card is used, the fraud team rejected the charge before they contacted me.

I have contacted Pennbrook to tell them of the fraudulent charge. They did get back to me for the details and said they would find the source of the problem. If you go there, I would pay cash at the grill.

[Elaine Dickinson]

Originally Posted by Stu from NYC

Restaurants could be wear it happens as American restaurants refuse to bring the machine to you so the charge is done in the back and little control over it.

Outback Steakhouse has an app and you can use the number on the receipt to pay your bill through the app. It even has a percentage tip calculator built in.

[JRcorvette]

Credit cards are still the Safest way to pay for things (other then cash). You are fully protected. Paying by check is actually quite dangerous because it has all your banking information on the check. A really scary thing is that somehow?? People are hacking into your Bank Account using Zelle even if you never had or used Zelle. It just happened to us and it was not a very pleasant experience !

[JGibson]

It's getting to the point if a place doesn't take Apple Pay I don't do business with them.
More restaurants need to accept Apple Pay or equivalent.

Handing our CC is not acceptable anymore or having to input it into a computer.

Same goes for Social Security numbers. If a medical facility asks for my SS number I refuse. I will sign a financial agreement but you're not getting my SS#

This number was meant for taxes but has turned into an ID card.

If you have ever been a victim of identity theft you will wish you were never born. There is limited resources to resolve an identity theft problem.

It's a total nightmare, especially trying to explain to the IRS it wasn't you who worked under your social for $80,000 and had no taxes taken out of it.

We need a universal federal ID number for identification not my social security number.

America is so behind the times when it comes to cyber security. Look had long it took them to mandate chips in the CC instead of the swipe strip which a 8 year old can steal.

Almost every place in Europe has some form of electronic pay. Here in America we handing some stranger at a restaurant our CC. It's insanity.