hacked credit card

[Kevin]

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...

 

[Danjet500]

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

 

[OLE_X_ME]

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.

 

[Kevin]

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.

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.

 

[GypsmJim]

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.

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.

 

[OLE_X_ME]

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.

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

 

[Cholo]

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

 

[epags]

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

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

 

[OLE_X_ME]

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

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

 

[GypsmJim]

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

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.

 

[txramfan]

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.

 

[Jeepnik]

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.

 

[NC FNS]

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

 

[contender]

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.

 

[Randyzzz]

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.

 

[OLE_X_ME]

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.

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

 

[black1970]

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.

 

[OLE_X_ME]

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.

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


https://www.idstronghold.com/collections/rfid-sleeves

 

[Kevin]

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.

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.

 

[Cholo]

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!

 

[contender]

One of the reasons I choose to not use any form of auto-pay or other similar services such as pay-pal, zelle, or whatever, is how easily hackers can get into databases.
Just in the last few days,, apparently hackers hit a system used by pharmacies. that has caused disruption for many getting prescriptions. All that private info,,, hacked.

Call me old fashioned, call me a fuddy-duddy, say I'm too paranoid, or whatever. I don't care. I can say I have not been hacked ever. At least not yet.

Just yesterday,, at a store,, the guy that was the clerk doing my check-out had to wait to get change. He didn't have much change in his drawer, and as we waited for a manager to get him change,, he made a comment to my reply about of only using cash. He said; "I always use my card." I asked; "Have you ever had your account hacked?" He replied, "Oh yeah, a few times." I politely said; "In my business,, I don't even take plastic. I take cash or checks." The guy behind me spoke up & said he did the exact same thing.
I explained how if I were to set my business up to take plastic,, it would add time to a job,, which would make my customers pay more for a job. And the fact that I'd be opening up myself AND them to hackers was another good reason I choose to not accept plastic.
I don't have enough free time to play with my Rugers due to work already. I don't need another layer of business taking up my time.

I understand how many businesses in todays world feel the necessity of accepting an instant form of payment. Check fraud being among them. But I'm small enough to where if I get a bad check, I can easily go after the person because I have been to their house. I know where they live & I can easily take out papers on them. Not as easy if you are a big business & have all kinds of stores all over the country where the customers come to you.

So, I do all I can to protect my personal info where my banking is concerned.

 

[Huskerguy72]

Kevin

Your story mirrors ours almost exactly. It has now occurred twice in about a year.

My wife monitors all of that portion of our finances, I take care of the investing and management. We had a Lowes card that was not hacked but fraud alert apparently triggered something. She attempted to contact them and they wanted verification through a phone call which she could never receive. Turns out it was from a land line we have not had for probably 15 years. Try getting those changed when something goes haywire, your data is stored and used by various agencies and no one seems to be responsible for managing or changing it. We have created a huge monster.

To the credit card's credit (pun intended) they caught both attempts to misuse our cards and refused the orders and called us immediately. There is an amazing and amazingly scary system of tracking and monitoring out there that should give us pause.

 

[jav]

Glad you didn’t lose any money . I check my online accounts everyday habit

 

[rotor]

Some suggestions
1. Do not allow telephone access to your account without a password, Someone called my cc company and convinced a tech to add them to the account. Now if you want to speak to them you need a password.
2. Set up a text-email notification if over a certain amount is billed, for me that is $100. Within 5 seconds of a charge I am notified if $100 or more.
3. As noted have a list of companies that have a stored credit card so that when you are hacked (you will be), you can get a new card on file.
4. Always have them Fedex your new credit card overnight. I pay almost everything with a credit card so the percent kickback adds up. You want stamps at the post office, pay cash=no rebate, pay credit card=rebate.
5. Buying a lot from Amazon or Temu? Keep a list of each charge as after awhile it is hard to track down when you look at your statement. Don't throw away refund paperwork until you actually see the refund on your online account or cc statement. These refunds are always delayed.
6. Don't use a debit card. No safeguards.
7. Stay away from PayPal. They are anti 2A and they can fine you by pulling money from your bank account if you break any of their "rules".
8. Pay bills with credit card and get a rebate or pay bills with bank's Billpay and get no rebate? Your choice.

 

[any ruger]

The only way not to get hacked is use cash. Impossible the minute you give your name over the phone or computer you lose. Everyone listens to you.

 

[t-reg]

The only way not to get hacked is use cash. Impossible the minute you give your name over the phone or computer you lose. Everyone listens to you.

This.
I buy on-line as little as possible and rarely use my debit card.
It's hard to understand the fascination with electronic currency.

 

[hittman]

You should NEVER EVER use a debit card.
Credit card? Okay, you at least have some protection.

And when shopping locally its almost never the store that loses your info; it’s their processor.

 

[vito]

Two comments here. You might want to consider switching to Capital One. I get 1.5% reward on all purchases. When I buy anything online, a window opens on my computer from Capital One offering me a "virtual" credit card for the purchase. Capital One instantly fills in the online order with a credit card number, expiration date and security code which is NOT my credit card, but an account set up that links to my account but is only valid for that one purchase. I use this feature all of the time, with no concern about being hacked by some online company that I may or may not know much about.

I use my Costco linked Citibank card for restaurants, gas, and of course Costco purchases because I get 2 or 3% back depending on what I am buying. And I get a text for every charge that occurs on this card. The text is virtually instantaneous, literally within seconds of using the card, so if there was a fraudulent use I would know about it immediately.

And by paying my balance in full every month, I have not had a finance charge on a credit card in over 20 years nor an annual fee for having the cards.

 

[Kevin]

This.
I buy on-line as little as possible and rarely use my debit card.
It's hard to understand the fascination with electronic currency.

Not to argue with you, but the minute you use your debit card anywhere, you are using electronic currency. The debit card is the least secure of any credit cards. I have a debit card, but use my credit card 99.95% of the time. Anything other than cash is electronic currency.

I'm not an expert, but when I buy something online, from say Amazon, it's really no different from buying it at Wal Mart. If a credit card gets used in a store, it goes into their computer system, and uploaded to their main computer system at the home office. This is why a receipt isn't needed to return something. Just the credit card used to buy the product in the first place. Home Depot is good about that. As is Wal Mart and Lowes etc. If a person has used their credit card even one time, it's "out there."

Also, paying for gas at the pump is the same as putting a credit card number into your computer at home.

 

[Kevin]

And through this whole fiasco of the credit card getting replaced, right at the end of the month makes me realize how much I truly hate my insurance company. Next week we are going to start looking for new car insurance.

For example, I called them Tuesday to give them the new card number. They never called me back. Yesterday they tried to bill our old credit card. It was declined of course, so they call my wife. She is in Bulgaria visiting her mom.

So today, I call the insurance back. They say, oh, it sometimes takes 48 hours to return calls. What the H E double hockey sticks!!!!