Credit Card Used Fraudulently - How?

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  supnigs super skids on 01/09/2016 - 19:15

  Bar tab

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  inherentchoice on 01/09/2016 - 19:30

  I am wondering this too after a $1200 transaction appeared on my AMEX. It was to a company at Stoke on Trent in London. After having credit cards for years this is the first fraudulent transaction ever. Amex is investigating.

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  [Deactivated] on 01/09/2016 - 19:45

  +2

  https://en.wikipedia.org/wiki/List_of_data_breaches

  those are the famous ones, theres's probably another 10x that aren't reported. I've never understood why websites are allowed to store credit card info.

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  airzone on 01/09/2016 - 20:46

  +1

  Skimming. CCTV. Hacked into a website that you used it on. It's not terribly hard to get your hands on a credit card number.

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  zealmax on 02/09/2016 - 00:25

  Ever paid with your credit card over the phone?

  • 

    jamestownfx on 02/09/2016 - 07:43

    Nope :S

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  gummibear on 02/09/2016 - 01:32

  +2

  Malware on your computer capturing keystrokes when you enter your credit card details (number, exp date, name, security code)?

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    jamestownfx on 02/09/2016 - 07:45

    I think this is most likely, especially considering all the purchases were interstate. One of the purchases was for a VPN provider, so that makes me think hacker too… But I haven't purchased anything recently online, and the card that got hacked isn't the card I normally use either

    • 

      gummibear on 02/09/2016 - 08:26

      +2

      I usually type the last 12 numbers of my credit card first. Then mouse click back to the start and type the first 4 numbers. So 1111-2222-3333-4444, becomes 2222-3333-4444-1111

      I don't use the keyboard to move the cursor back as someone reading the key logger record would still be able to tell the last 4 digits were typed at the beginning of the credit card number

      Even though I run security software, this hopefully protects me from new and unknown malware just a little.

      Mod: Edited comment for clarity by request of commenter

      • 

        jamestownfx on 02/09/2016 - 08:27

        Thanks for the tip!

      • 

        tomsco on 02/09/2016 - 09:06

        That's a great suggestion. Will keep in mind for future.

        The only thing I'll add - Mastercard's start with 5 and Visa's 4, so if any of the 3 blocks of 4 (after the first) start with 4 or 5, maybe start with that.

      • 

        gummibear on 02/09/2016 - 09:29

        +1

        @tomsco:
        Maybe
        1111-4444-2222-3333
        So the first 4 digits stay the same.

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        Some Human on 05/09/2016 - 12:56

        You're a genius, gummibear.

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  Nitro on 02/09/2016 - 07:48

  I went through a spate of them earlier this year with Amex. I had 4 new cards in less than 2 months. It only stopped after Amex actually closed my account, and set up a new account (with a slightly different name on the card), instead of just giving me a new card for the same account. I still have no idea where it was compromised in the first place, but it's been ok since then. Prior to that, I've had a new one every year or two due to issues, but I use it online several times a week, so it's unfortunately inevitable. Amex at least seem to be pretty good at catching onto when it is compromised.

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  [Deactivated] on 02/09/2016 - 11:22

  When I travel I use a prepaid, 'disposable' credit card from the post office, where possible. It usually has just enough for my short term needs, before an auto top up happens - which I can stop at any time.

  • 

    boomramada on 02/09/2016 - 13:56

    +4

    I don't see the point of using the disposable card? that's like carrying cash. If your CC got used fraudulently, 100% chance you get your money from the bank?

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  emjones on 03/09/2016 - 00:20

  Its the systematic error at Bank's end, sometimes they charge you twice or even thrice on online transactions. Happened to me, luckily they rectified it within a day.

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  rickb on 04/09/2016 - 08:55

  My bank called last week to tell me that there was risk that my card COULD be compromised and recommended that they re-issue me with a new one. I agreed but remain puzzled by COULD. Nothing has gone wrong but I have enough experience to know not to ask banks what they mean by that. My only guess is that some retailer I used it with got hacked or something.

  A bit of a hassle because I have to change all of my direct debits and need to use back up cards until this one arrives.

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  nightelves on 06/09/2016 - 15:31

  I've had this happened to me as well. Seems like there's a lot of it going around at the moment. Think for the time being I'll just pay using my smartphone. Wish more banks took up Apple or Samsung Pay. Makes it a lot more difficult for hackers to get to your credit card.