Credit Card Detail Stolen and Used. How?

eatwell365 on 21/10/2015 - 07:42
Last edited 21/10/2015 - 08:56 by 1 other user

Hi guys,

Think to give you a heads up as we shop together online sometimes.

I was notified by one of my banks last night to red flag some transactions on one credit card card.
Checked transaction history that 2 transactions around $100 EUR were spent on Trentitalio Moto Roma and then refunded 5 days ago.
Called Bank Customer Service and was told last transaction was in 7-eleven Singapore.

I still have the credit card with me so it was not lost/stolen.

Card was stopped. Touch wood - no major things were bought by hijacker/s.

This particular card is rarely used so transactions can be seen and isolated easily.
It also has 24/7 online watch (by bank) ie quick notice on suspicious activity.
Normally it was only used on internet when sites take card only for transactions hard for me to avoid.
It is also used as key card to an account with little money.

Read ways your details are hijacked and yet to pinpoint the reason.

It was used only on few credit card transactions in the past years.
This year -
1.Bought Lego Brickman show tickets through Sproutix online.
2. Paid Parking fine online.
3. Charged Credit Card Annual Card Fee.
Last year:
4. Bought clothes from MacPac online on a deal posted here (in this thread, few OZB had reported credit card details stolen. No lost to me at the time. Moderator identified there was security issue on MacPac website and notified them. Read thread.
5. Last put card in an ATM in Chatswood exactly 5 days ago. The ATM did not accept the card - ie card won't go in. I could not find any unusual device hidden on the ATM, No pin was asked or entered. Reported the faulty machine to bank right away.
6. If my card detail was skimmed by payWave. There are other cards in the same wallet and should be affected as well.

What is your thought on how it happened?

Thanks.

• 

  Diji1 on 21/10/2015 - 07:59

  -1

  Who knows, your financial institution is in a far better position to know as they can see common places the card was used with other compromised accounts but they may not divulge this info.

  Interesting that the card wouldn't go in at the ATM - some crooks use so called "insert skimmers" which are placed into the card slot much like a card, maybe it was this.

  So no idea but Paywave sounds the least likely to my (very unqualified) opinion.

• 

  Hello Stranger on 21/10/2015 - 08:15

  That's Sucks.
  Do you take this card out with you?
  Maybe it was done at a shop and the hijackers copied the details onto another card. I've read about that somewhere but not entirely sure if it was real.

  But I agree with Diji1, probably the bank will investigate this matter for you.

  • 

    eatwell365 on 21/10/2015 - 08:19

    Bank had since been blocked and raised dispute, so not too worry. Thanks.
    The card had not been used in shop. Only thing possible is skimmed through payWave but these should happen to the other cards I have as well.

• 

  DarkOz on 21/10/2015 - 08:45

  -1

  Any card that you have used online is at risk of its details being stolen by hackers or dodgy workers.

• 

  jbryce on 21/10/2015 - 08:51

  +5

  Happened to mine recently too.

  We have incommon the Brickman purchase.

• 

  bluedufflecoat on 21/10/2015 - 09:09

  I had a similar situation - happened around July. Very small value transaction, apparently occurred somewhere in the US. Citibank blocked my credit card and I didn't find out why until I called them and they wanted me to confirm if I had authorised the transaction. I have in common with you, the transaction with macpac.

• 

  petey on 21/10/2015 - 09:32

  Some people who have their credit card details online had them stolen because of Malware. Thing is it might not even be Malware on your PC. Could be the shop online you purchased things from. Anything can be infected.

  There are just too many scenarios.

• 

  Peanut money on 21/10/2015 - 12:00

  +8

  Everything seems like normal except you paying the annual credit card fee

• 

  Brouw3r on 21/10/2015 - 12:22

  Run malwarebytes on the PC you bought things online with.

  • 

    eatwell365 on 21/10/2015 - 12:38

    thanks. I do not use PC for shopping but iOS devices.

• 

  Randxyz123 on 21/10/2015 - 13:30

  +1

  OP just incase it was the pay wave scam you might want to call your bank to re-issue all your cards who knows what information they have been able to get.

  They should be able to have new cards out to you within 48 hours.

  I'm being judgemental but the local housing commission residents (1 block away) are always walking around peering into my front yard.

  It's not a unfair judgement…

  I've got CCTV cameras facing the street, just cbf trawling through days of footage to have nothing done about it.

  You should just incase they can link someone to a bigger crime.

• 

  Geewhizz on 21/10/2015 - 13:46

  +2

  A couple of years ago I bought something small that was advertised here but the overseas store did not take Paypal, so I provided CC details. Not long afterward I was away from home for a few days and attempted to use my card only to find it had been frozen by the bank because of suspicious use of the card. Highly inconvenient given that it was the only method of payment I had on me at the time. I never did find out what had been attempted to be done with the card, but that one transaction was the only possible way the details could have been obtained.

• 

  c64 on 21/10/2015 - 14:41

  it's a pity v.me stopped there notification alerts service. iirc mebank shows unsuccessful authorisation attemps in your bank statement but other financial institutions don't bother. i thought it was a really nifty feature, basically a heads-up that someone might have your card details