Can I have your credit card number ?

[Falls]

Just kidding ... I got a call today at 3pm from my bank's security dept and asked if I made 2 strange purchases at 2:47pm , I said no and they cancelled the card instantly and are sending me new one's.

He said they work in "real time" and called me and took care of these charges and stolen card number with in 13 minutes.

I thought .....cool

Not sure where it was stolen from , but used on internet small purchases that he called "fishing" to see it the numbers work first to see if they can sell them or make bigger purchases.

Just thought I would share , and I know everyones aware , but always beware.

 

[josh220]

At least you know they are efficient now.:biggrin2:

 

[Thai]

What is your credit card company??

 

[jharris2]

A few years ago I was in Singapore between Thanksgiving and Christmas, and made a few purchases while I was there. The store names and having no history of prior purchases in Singapore triggered a fraud alert on the account, so within 24 hours Citi called the house to verify that that these could be valid charges. My wife assured them I was in Singapore that they were valid charges. She also sent an e-mail to make sure that they were valid.

Net is, I was grateful that they took the time to check because the purchases were out of the norm. But it ruined a Christmas surprise along the way....

 

[T?@\7]

What is your credit card company??

yeah, that kind of customer service is RARE.

 

[storm4]

i bank with HSBC in the UK and thanks to them some muppet didn't manage to run off with some purchase for 32000 pounds. as soon as it happened they called me and asked if i was in yugoslavia and i said no. card was cancelled and new ones recieved via courier within 48 hours,... now THAT'S service!

 

[josh220]

What's 32000 pounds in US currency?

 

[jharris2]

What's 32000 pounds in US currency?

 

[josh220]

Holy sh*t.

What would someone buy that would cost that much. No one would be dumb enough to try to buy a car would they?

 

[storm4]

all i know i've never dropped 32k in my entire life on my card, nearly had a myocardial infarction

i miss those days when my card was tied to my family account but we all got to grow up some time.

 

[josh220]

I don't have a credit card yet, just my debit card. I've never had anything hooked up to a family account before. I still live at home but I pay for everything on my own already at 19. From my shaving razors, to shampoo and food, even my cats food.

 

[jharris2]

No one would be dumb enough to try to buy a car would they?

Never underestimate how stupid people can be.

 

[rook]

Not sure where it was stolen from , but used on internet small purchases that he called "fishing" to see it the numbers work first to see if they can sell them or make bigger purchases.

Just thought I would share , and I know everyones aware , but always beware.

Our fraud dept works real time as well. if your account suddenly has charges appear that are different from your normal behavior you may get a call or your account will be more closely monitored.

Since your crc# was compromised, and who knows what else. I'd suggest you get copies of your credit reports from CBI ,TRW and TU and review them for accuracy. I would also recommend you place an initial fraud alert on your credit file for 90 days until everything is resolved. Just for protection and peace of mind.

 

[Kmvreter]

I found out a few years ago that Amex has real time fraud protection. I was using the card locally one day and the transaction was denied. The retailer tried again unsuccessfully so he called Amex. They had immediately put a hold on the card at the time of the first attempt because they detected there was a transaction just 2 hours before by a company located a 1000 miles away. It was a legit transaction (via a mailed in membershp form) but the trigger for the hold was the geographic distance versus time. I had to verify with Amex over the phone that the transaction was legit so they could remove the hold. It was an inconvenience but I'm glad to see the system in place.

A few years ago, Mastercard, on the other hand, allowed someone to change my address and defraud the card (using Western Union and phone transactions) for $12,000 in 3 hours. That was a mess to recover from.
Lesson learned to prevent this: don't give the same phone number to a retailer that is linked to your card account (i.e. I now use my work number without the extension for all hotel reservations.)

 

[Thai]

I found out that one of the ways you can trigger the Fraud dept is by:

1. go to a gas station and use the card
2. later in the day, go and buy something expensive with the same card

I found this out a few times. This will cause your card to get frozen. Apparently, this is how thieves work. They go to a gas station to make sure that your card still works (aka, you have not cancelled it). Then, after finding out that it still works, they go on a shopping spree. Therefore, credit card companies know this trick and are really vigilant whenever this happens.

 

[rook]

I found out that one of the ways you can trigger the Fraud dept is by:

1. go to a gas station and use the card
2. later in the day, go and buy something expensive with the same card

You are absolutely correct. Theives usually do this when they intercept a mailing of replacement cards.

 

[storm4]

yup, it was the "fraud squad" which called me too. i'm glad they wern't sleeping that day,.. could have been very painful in the morning!