[rochellepfaff]

Originally Posted by JGibson

Why folks don't utilize Apple Pay is beyond me.

Apple pay generates a random number every time you use it and the retailer never gets your actual card number.

If a restaurant or any business doesn't accept Apple Pay they get cash.

If you don't want to use Apple Pay most major banks offer virtual cards which is also some random number and not your card number and can only be used once.

I believe you have to have an Iphone to have Apple Pay. Not everyone has an Iphone.

[NotGolfer]

My other half received a bill in the mail recently for a Prime credit card used back in December. He doesn't shop on Amazon---I do, but with a regular CC and it wasn't my charge. He had an Amazon Prime card, never used, still on the sheet it came in---called the company and executed a fraud case. They closed out the account and he destroyed the card.
I've had my same CC for a long time that I use frequently but it got compromised TWICE in a relatively short period of time. It's always important to check your statements on a regular basis. What someone else said here---thieves use bots to hi-jack numbers then they try it out to see if it works.
Up north---I had a CC that I'd used but then didn't close the account for some reason, but it had actually been open for maybe 2 yrs or better of my none-use. Got a statement for a considerable amount that I hadn't made----I reported it and the CC company took care of it. Wonder why our interest rates on CC are so high---it's to pay those fees, I'd wager. I try to pay off my card monthly now....and I shop with Amazon and other entities quite often.

[JRcorvette]

Originally Posted by JGibson

Why folks don't utilize Apple Pay is beyond me.

Apple pay generates a random number every time you use it and the retailer never gets your actual card number.

If a restaurant or any business doesn't accept Apple Pay they get cash.

If you don't want to use Apple Pay most major banks offer virtual cards which is also some random number and not your card number and can only be used once.

I have Apple Pay but don’t know how to use it. I will have to research that.

[OhioBuckeye]

What’s wrong with the charges, is it to high or to low. You never said what the price of the ceiling fan was.

[retiredguy123]

Originally Posted by rochellepfaff

I believe you have to have an Iphone to have Apple Pay. Not everyone has an Iphone.

More people use Android phones than IPhones.

[jimbomaybe]

Originally Posted by OhioBuckeye

What’s wrong with the charges, is it to high or to low. You never said what the price of the ceiling fan was.

My bad , my post wasn't clear enough, I picked up and paid for a c/ fan at Wildwood Lowes, well and good, less than an hour later my CC was charged $81,00 for a purchase at another Lowes store in NC, manually entered , not swiped

[JGibson]

Originally Posted by Bill14564

Easy explanation: Not every vendor takes Apple Pay, not everyone has an iPhone, not everyone is comfortable giving Apple their CC information.



Similar to the random code sent when using Tap-to-Pay with a credit card.


I prefer cashless and don't carry much cash at all. Someone steals my cash - I'm outta luck. Someone steals my wallet - I can call to cancel cards. Someone uses my card without authorization - $50 out of my pocket at most but more likely $0 (though with the aggravation of getting a new card and number)


Haven't heard of virtual cards yet. Virtual numbers were great but only useful for online purchases. A separate card with a virtual number attached would be quite handy.

So you would trust some waitress at Cody's or some other restaurant before you would trust the richest and most secure company in the world with your CC?

LOL!

[TomSpasm]

The OP has missed the point. The NC city on his charge was/is the original home of Lowes corporate. From Google Maps:

"North Wilkesboro is the birthplace and original home of Lowe's Home Improvement, which continues to have a major presence in the community." So they are using their original corp address on credit card charges. Nothing untoward going on, unless the amounts were different, which he has failed to clarify (to me anyway) in 2 separate posts.

[Bill14564]

Originally Posted by JGibson

So you would trust some waitress at Cody's or some other restaurant before you would trust the richest and most secure company in the world with your CC?

LOL!

More than 180 days a year I trust some waitress with my credit card. Over 25 years now and have had my number stolen twice. With all the breaches happening at the time, it is far more likely that the card info was stolen from a large company rather than a small restaurant.

Plus, only a very small percentage of restaurants take Apple Pay since that would require tap-to-pay at the table or paying over the internet.

[Bill14564]

Originally Posted by TomSpasm

The OP has missed the point. The NC city on his charge was/is the original home of Lowes corporate. From Google Maps:

"North Wilkesboro is the birthplace and original home of Lowe's Home Improvement, which continues to have a major presence in the community." So they are using their original corp address on credit card charges. Nothing untoward going on, unless the amounts were different, which he has failed to clarify (to me anyway) in 2 separate posts.

It appears he clarified that in post #21 about 20 minutes before this post.

It seems he made one purchase but received two charges with different amounts and from different locations.

Do you have any proof that they are using their original corp address on credit card charges? That would be odd but I don't have any recent charges to look at.

[Bill14564]

Originally Posted by retiredguy123

More people use Android phones than IPhones.

That appears to be true globally but here in the US the numbers still slightly favor iPhones.

[Bill14564]

Originally Posted by JRcorvette

I have Apple Pay but don’t know how to use it. I will have to research that.

For me - Apple Pay means using my phone for tap to pay rather than taking a card out of my wallet.

I have two credit cards that I have stored in my Apple Wallet. I believe I used the app for the individual card to do that. I also did something to allow them to be used with Apple Pay though I don't know if that was through an Apple Pay configuration or through the credit card app.

Now that they are stored and configured I can:
- Tap the phone to pay rather than getting the card out of my wallet
- On some sites, pay with Apple Pay by double clicking the right button rather than typing the credit card number, expiration date, security code, name, address, and phone number

I believe there is a Google Wallet for Android phones but I don't have one so I don't know how it works.

[Topspinmo]

Get use to it cause it’s only going to get worse.

[ton80]

Originally Posted by Bill14564

It appears he clarified that in post #21 about 20 minutes before this post.

It seems he made one purchase but received two charges with different amounts and from different locations.

Do you have any proof that they are using their original corp address on credit card charges? That would be odd but I don't have any recent charges to look at.

I looked at my CC account and looked at purchases over the last year. All show the store location , Store number, and the specific items purchased. The CC company is Synchrony Bank out in Utah. None show Lowes HQ address.

[manaboutown]

My weird Lowes CC experiences

In CA during 2011 I used a CC to order a couple shower grab bars to be delivered, which they were. One year later, in 2012, almost to the day, while I was away on a trip Lowes delivered a duplicate pair of grab bars and left them leaning against my front gate, where I found them when I returned. Lowes had charged my CC a second time. I ended up returning them in person to the nearest store where a clerk gave me some mumbo-jumbo excuse about their computer system.

I used Lowes in 2023 as a supplier for some upgrades to a few apartments in NM. Among others I was dealing with the department that measures and then uses a contractor (I presume) to install countertops. It was a nightmare as they made several mistakes with the countertops and also with the CC billing. I ended up canceling with Lowes and finding another outfit.