[charlie1]

Really not concerned as the credit cards cover all fraud if it is reported on time. I have alerts set up on all my cards that text me when they are used. At first was somewhat annoying before I had a smart watch that vibrates and allows me to turn of the text notification noise on my phone. Luckily, the only problems I have had the bank caught and rejected preauthorization. They immediately sent out a new card and had within a couple of days. To me, credit cards are by FAR the safest way to pay for anything! Even cash, as I have known people to be pick pocketed or robbed of thier cash.

[retiredguy123]

It would be very simple for banks to require restaurants to have a credit card machine on the table. It makes me wonder if the banks really want to prevent fraud.

[Michael G.]

My wife and I have 3 credit cards, one she uses, another I use, and the third never leaves the house, that one
I use for banking, and paying utility bills on line.

We also have the alert system set up on all three cards.
We NEVER write checks, and if we must, I use my bank certified/cashier check that they provide for free.

One thing I do every morning is look up all three credit cards and both checking accounts online even if no transactions were done the day before.

We do pay with cash if the need arises.

[Stu from NYC]

Originally Posted by retiredguy123

It would be very simple for banks to require restaurants to have a credit card machine on the table. It makes me wonder if the banks really want to prevent fraud.

They sure do not work very hard to prevent it. Guess they think it is less costly to pick up the loss than to stop it before it can happen.

[Tonydivo]

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.

My credit card has just recently got hit. $1800 cement in south Florida

[tjlee500]

I've has fraud on 2 ccards in the past 6 months. Now I have turned on Notifications for anything over a $1. It can be annoying but last time, I had 18 charges over a week before bank informed me. Many small amounts at gas stations and restaurants and one big one. Just walked out of publix yesterday and before I got to car, I got my phone notification,,,,

[Gunny2403]

Unnecessary post

[M2inOR]

Simple way to make it more difficult:

Make it harder for people to capture name, cc acct number, expiration date, and security CCV code on card.

Many cards these days have all that info on same side of card.

1. Snap picture of card and store in a safe, secure place
2. Use scotch tape and black marker to obscure most of the info. Apply tape to cover some of the info, then use marker on tape to obscure, then cover marker with another layer of tape.

Really no need to have store or restaurant people see the complete info.

For example, the Apple credit card has only the same visible. No other info.

Thieves working in stores simply snap a pic of your card and sell the info on the dark web.

In 2021, my CC was compromised 3 times before I figured things out. No problems since.

[allsport]

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.

When you say immigrants, my hair rises. I have had my cards hit in the past and it has always been after I use them at a restaurant. Use the notification system and every time a charge is made you get notified on your smart phone or watch with the exact amount. On line ordering and restaurant thieves are the culprits.

[CoachKandSportsguy]

Originally Posted by M2inOR

Simple way to make it more difficult:

Make it harder for people to capture name, cc acct number, expiration date, and security CCV code on card.

Many cards these days have all that info on same side of card.

1. Snap picture of card and store in a safe, secure place
2. Use scotch tape and black marker to obscure most of the info. Apply tape to cover some of the info, then use marker on tape to obscure, then cover marker with another layer of tape.

Really no need to have store or restaurant people see the complete info.

For example, the Apple credit card has only the same visible. No other info.

Thieves working in stores simply snap a pic of your card and sell the info on the dark web.

In 2021, my CC was compromised 3 times before I figured things out. No problems since.

interesting mcgyver solution

[Notsocrates]

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.

The most common cc theft is at the pump when you fill up where the number can be captured. CC companies are good about protecting you from fraud. And they will give you a new card without your asking for one.

[bonrich]

We responded to a Facebook ad for carryon luggage at a close out price. It was advertised by QVC and had Laura doing the sales pitch. It had all the trappings of QVC so we ordered two pieces. Fast forward we received an email telling us our luggage will be shipped when order is processed. Didn't get the order for over two weeks, so we called QVC to check on shipment time. QVC told us they never had a video on Facebook on that date selling luggage. I check our CC company and saw two charges, one for a small amount, then the charge for the luggage. The charges originated in London. I then got an email from them that day with a tracking #, which the link was not live, also a customer help email which was not live. Card was canceled and charges reversed. QVC informed us the scammers can duplicate QVC video and run them as it was live. Be careful on Facebook with the opportunity to buy product at a sell out price. Check with QVC first.

[airstreamingypsy]

Originally Posted by Gunny2403

Unnecessary post

Not if you want to scare people about immigrants, I thought that was the point.

[airstreamingypsy]

I carry three cards. My main card, with a large credit line, that I use for consistent charges. A second card with the lowest credit line they would give me, that card is just for gas stations and restaurants, the two places I feel I'm vulnerable. The third is my debit card which I only use at the bank, or in a store if I need cash. I also get a text every time anything happens with my accounts. Charges, withdrawals etc. That way, if my card is used, not by me, I can cancel immediately, so they can't charge again. i know I get the money back, but I hate the idea of the thieves getting a big score, hence the low credit line on the gas station/restaurant card. To the OP, immigrants... good grief.

[retiredguy123]

Do you know how to lock your credit and debit cards? I can log into my bank website, click on "card controls" and then "lock". So, if my card is lost, misplaced, or misused, I can lock it in less than 30 seconds. If I lose a card and then find it, I can unlock it.