hacked credit card

I guess this is just a fact of life these days. Someone tried to use our credit card to make some reservations somewhere. She's traveling right now, which is probably how the card number got stolen.

She called yesterday morning, and I just got a new card from UPS. We didn't lose any money of course, but take this as a Public Service Announcement, that you should always check your credit card account online. I think my wife looks at ours a couple times per week, if not more.

This is happening a couple times per year now. And what a hassle it is. There are a lot of accounts I have set up with automatic payments, like the phone bill etc.

I guess I should have gone to the gun store to see if I could have used the old credit card. Just blame it on the thief? I guess I'm too honest...

Yep, my wife checks our cards regularly. Good advice.

i got "tagged", about credit card fraud, after buying from....Ruger.com. Beretta.com. Wilson Combat.com, Amazon.com..

needless to say, what ever credit card i had used at each of those sites, was flagged for removal.

i think in 1 year, i had like 6 credit cards replaced...(i'm talking about maybe 3 cards from the same bank........) then the others.

OLE_X_ME said:

i got "tagged", about credit card fraud, after buying from....Ruger.com. Beretta.com. Wilson Combat.com, Amazon.com..

needless to say, what ever credit card i had used at each of those sites, was flagged for removal.

i think in 1 year, i had like 6 credit cards replaced...(i'm talking about maybe 3 cards from the same bank........) then the others.

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What a hassle!

I'm updating my accounts right now. The electric company is the worst. We have auto pay. You have to turn off auto pay, THEN add the new card, then turn auto pay back on for the new card. Only they don't tell you that. I found out through about 20 minutes of trial and error.

Kevin said:

What a hassle!

I'm updating my accounts right now. The electric company is the worst. We have auto pay. You have to turn off auto pay, THEN add the new card, then turn auto pay back on for the new card. Only they don't tell you that. I found out through about 20 minutes of trial and error.

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I only use 2% back cards. All the auto pay's are one card and I don't use it for anything else. Since I started that procedure it hasn't been hacked so no changes to make. All other purchases (I guess the ones that are subject to hacking) are on another card.

Kevin said:

What a hassle!

I'm updating my accounts right now. The electric company is the worst. We have auto pay. You have to turn off auto pay, THEN add the new card, then turn auto pay back on for the new card. Only they don't tell you that. I found out through about 20 minutes of trial and error.

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we have no auto pay...i do not want that convenience. we wait up to the cut off time, and make our payment online.

FYI: I've had CC's hacked. The worst part was figuring out who I have set to Auto Pay. I learned to make a list of everyone and the contact phone numbers to make it easier. Some things only come up 1x per year.

At least I get the new CC the next day, unless I screwed something up LOL

Cholo said:

FYI: I've had CC's hacked. The worst part was figuring out who I have set to Auto Pay. I learned to make a list of everyone and the contact phone numbers to make it easier. Some things only come up 1x per year.

At least I get the new CC the next day, unless I screwed something up LOL

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Don't worry about it. All of them will quickly notify you that you hae missed a payment.

epags said:

Don't worry about it. All of them will quickly notify you that you hae missed a payment.

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they sure do, that late payment fee gets slapped on the bill 1 nano second after the cut off time.

OLE_X_ME said:

we have no auto pay...i do not want that convenience. we wait up to the cut off time, and make our payment online.

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I subscribe to that theory, somewhat. However, half of my autopays give me a substantial discount if I take advantage of that payment method. Add the 2% CC payback and I'm golden.

I'm not too proud to go the modern route if I save money in the process.

My wife has , by design and years of prompt payments, the better credit score and more credit available than I do. Her primary credit card has been compromised multiple times so she set up her account to send a text after every transaction showing $ spent and location.
Oddly her other two cards and my one card haven't ever been compromised.

I make it a habit to check out my banking first thing every morning. Takes only a few minutes. So far I've been lucky and had no issues. Then again, maybe checking everyday has some beneficial effect.

One of mine was compromised a few years back. Pretty sure it due to the Numrich hack.

Getting hacked is not fun. Miss Penny has had it happen a few times. Me? Never.

I do not have ANY accounts set up as auto-pay. I do not allow anyone, or company to have instant access to any of my accounts. I do have it set up that every purchase on my card automatically sends an alert of the pending charge. That way, if it were to be fraudulent, we could get ahead of it immediately.

Call me old fashioned but I guard my info very carefully. And even if they offer a "discount" for using auto-pay,, I would not use it. I get my bill, I pay the full amount off, so I'm not getting hit with any interest charges. And the credit score,, well, it's pretty dern high.

Be careful. I made a purchase via PayPal and within minutes got a call from a number that my phone recognized as my Bank's fraud dept. The computer voice stated that for security I needed to pick my zip code from 3 choices. Then they asked my to confirm the last 4 digits of my SS# out of 3 choices. I balked at that and hung up, and called the fraud dept- from the same number they just called from. They said that there was a scam that was able to emulate the fraud dept's phone number on caller ID. Luckily I didn't fall for it. They advised that if you ever get a call from the fraud dept to not answer and call the bank directly. They also signed me up for text alerts which are supposedly a lot more secure.

contender said:

Getting hacked is not fun. Miss Penny has had it happen a few times. Me? Never.

I do not have ANY accounts set up as auto-pay. I do not allow anyone, or company to have instant access to any of my accounts. I do have it set up that every purchase on my card automatically sends an alert of the pending charge. That way, if it were to be fraudulent, we could get ahead of it immediately.

Call me old fashioned but I guard my info very carefully. And even if they offer a "discount" for using auto-pay,, I would not use it. I get my bill, I pay the full amount off, so I'm not getting hit with any interest charges. And the credit score,, well, it's pretty dern high.

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as i mentioned above, i do not have nor want auto pay.

i have been told that the bank can only take what we say to take, not a penny more...i just do not trust auto pay.

i can care less of a tiny percentage off paying this way..in the end, for what we get hit with interest and other banking fee's, is 1 to 3% really much of a savings?

that's my thought

Got hit twice in the last year. Now a thief can walk by you and get your number electronically. One of those metal protectors is a good idea. Know a guy that sells them at gun shows. He usually sells out.

black1970 said:

Got hit twice in the last year. Now a thief can walk by you and get your number electronically. One of those metal protectors is a good idea. Know a guy that sells them at gun shows. He usually sells out.

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one way to combat that, is an RIFD card sleeve..

i use it for my credit cards and debit cards.

i been getting mine at the AAA auto club

contender said:

Getting hacked is not fun. Miss Penny has had it happen a few times. Me? Never.

I do not have ANY accounts set up as auto-pay. I do not allow anyone, or company to have instant access to any of my accounts. I do have it set up that every purchase on my card automatically sends an alert of the pending charge. That way, if it were to be fraudulent, we could get ahead of it immediately.

Call me old fashioned but I guard my info very carefully. And even if they offer a "discount" for using auto-pay,, I would not use it. I get my bill, I pay the full amount off, so I'm not getting hit with any interest charges. And the credit score,, well, it's pretty dern high.

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These are good ideas.

We only use the auto pay feature with the credit card. Nothing tied to our bank account. So that is at least one level of protection.

I have my phone set up with Apple Pay, and interestingly enough, when they issued a new credit card, my phone got the new credit card number instantly.

I'm 99% sure where my last card was hacked--an out of town Mexican restaurant. I handed the waitress my card and another woman brought it back and my senses went thru the roof with that woman. I got home and sure enough--there was a $15 charge for Netflix from the day before. I didn't have Netflix.

They test if you'll catch it with a small charge, then they'll hit you with a big one. My CC co. told me it was a common ploy and I had a new card the next day.

Watch even the little charges!