Debit Card Fraud for Second Time

kdsthegreat on 29/06/2019 - 18:59
Last edited 30/06/2019 - 09:59 by 1 other user

Hi guys,

My debit card, a fee-less card I use when going overseas to use in other currencies etc or for online international shopping', has now for the second time been used by someone else.

I regularly check my transactions and noticed some strange overseas transactions the first time, and an interstate one this instance. After the first episode, I cancelled my card and re ordered another one. Now its happened for the second time.

My money has been replaced by the card issuer but beyond that, I feel this account is compromised. What should I do? Its such a good, handy, feeless card as well.

Worth knowing that my wallet has been pickpocketed overseas before (in Barcelona) but I have replaced all those card several years ago.

Should I just be more vigilant, and keep canceling / re ordering cards, or would it be better to cancel this account altogether?

• 

  Richfield on 29/06/2019 - 19:06

  +3

  Your cards have been compromised, not your account.

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  WoodYouLikeSomeCash on 29/06/2019 - 19:12

  What bank is the card with?

  • 

    kdsthegreat on 29/06/2019 - 19:15

    Citibank.

    • 

      smalltime0 on 30/06/2019 - 12:50

      Seriously, they locked my card when I was at a pub in Ireland. Then when I went to the same pub the day after unlocking it, they locked it again.

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  fishball on 29/06/2019 - 19:23

  Tell them to give u a new card with a new number etc

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  whooah1979 on 29/06/2019 - 19:33

  After the first episode, I cancelled my card and re ordered another one. Now its happened for the second time.

  It's normal practice by the bank to cancel the card and issue a new card with new numbers. How did the other party get hold of card numbers?

  • 

    kdsthegreat on 29/06/2019 - 21:09

    Exactly.

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  AdosHouse on 29/06/2019 - 19:33

  +4

  Do you log in to your Citibank card often on your computer? If so, I'd say you need to up your visus/malware protection and your surfing habits.

  • 

    lightcn on 30/06/2019 - 00:02

    I agree. You may have a virus or some kind of key logger on your computer. Your phone could also have been compromised.

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  CyberMurning on 29/06/2019 - 19:58

  Just cancel the whole bang account and reopen after 6 months or so.

  • 

    Donaldhump on 29/06/2019 - 20:07

    +10

    Most bang accounts reopen after 9 months with additional fees

    • 

      Skramit on 29/06/2019 - 21:40

      +2

      My bang account is fee free, so not sure if you're shooting down the wrong barrel there.

      • 

        Donaldhump on 29/06/2019 - 21:44

        I’m referring to the additional card holders that appear after 9 months

        • 

          This Guy on 30/06/2019 - 00:30

          @Donaldhump: That is why you use a fake name when opening up the bang account.

          Have you even used a bang account before? Do you need someone more experienced to hook you up? Banks are known to take advantage of inexperienced bang account holders.

          You open a bang account because you think it's the adult thing to do. Before you know it you have a mortgage broker on your back, screwing you over for 18 years (that's how long a mortgage lasts, right?).

        • 

          Skramit on 30/06/2019 - 08:36

          @Donaldhump: You gotta learn to Load blanks in your barrel then there’s no risk of additional fees later on.

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  Cave Fire on 29/06/2019 - 21:46

  Yep would cancel. Unrelated, but a cba consultant told me if you give out your cc details, then they don't "necessarily" take responsibility for fraudulent transactions. Big change from old policies. If I had lot's of money, I would split my accounts into a transaction and a branch only account. Plus if you are overseas and they swipe but the machine doesn't work, get a receipt. Sometimes these go through but the operator presses the cancel button…

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  thatonethere on 29/06/2019 - 22:17

  +2

  I had a good run at work where I got to go to America yearly pretty much everytime either my work or personal credit card details were stolen (not physically but electronically). Hotels and shops get hacked and your details are stolen…

  The banks were pretty good and sucked it up all times (maybe the merchants ended up paying for it).

  I'd hesitate to have a debit card directly attached to your main bank account these days as it is your money being deducted. Better off getting a credit card so it is the issuing banks money first.

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  John Kimble on 30/06/2019 - 09:09

  +1

  for online international shopping

  Probably just unlucky enough to have gotten compromised twice.

  Or maybe you have malware or something on your devices, but that would mean most of your stuff would be compromised not just one card.

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  YourITLink on 30/06/2019 - 11:18

  When you receive a new card you get an entirely new set of numbers, expiry date and security code… So if it's happened to you more than once you are either really unlucky in which case just replace your card with a debit card or look at where you are entering those all important numbers and who could have access to where it's going.
  Ask the bank how the transactions were approved it may give some insight.

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  kdsthegreat on 30/06/2019 - 15:07

  Thanks for your replies everyone. I do use a lot while overseas, at many different merchants of different levels of "dodgyness", so it's very possible my details have been taken that way.

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  AncientWisdom on 01/07/2019 - 02:42

  Another point to make, is that it can be safer online to use PayPal wherever available. That way you're not keying in your card details everywhere.