Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Fidelity CC compromised AGAIN!
Old 10-24-2019, 06:47 AM   #1
Recycles dryer sheets
 
Join Date: Dec 2016
Posts: 109
Fidelity CC compromised AGAIN!

This is the 2nd time in less than 3 months. Anyone else with this problem? I get a text immediately when it is used. Yesterday I got a text from an airline in Canada for over $400. Called them immediately and now once again I have to stop my auto payments. Iíve been transferring them to my checking instead, but several will only take a CC. Plus I liked the cash back from using CC. Frustrating.
__________________

Carol1862 is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 10-24-2019, 07:14 AM   #2
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Sep 2005
Location: Northern IL
Posts: 22,397
I have charges emailed. A month ago, I got two charges within seconds of each other :


Your account was charged $100.00 at STEAMGAMES.COM 4259522985

Called Fidelity, they reversed the charges and issued a new card. I use that card a lot, so who knows? But I keep my recurring payments on a card that I don't use for anything else, and it stays at home in a drawer. I still need to update everything when it expires, but I have a list and that goes pretty quick.

-ERD50
__________________

ERD50 is online now   Reply With Quote
Old 10-24-2019, 07:22 AM   #3
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Dawg52's Avatar
 
Join Date: Feb 2005
Location: Central MS/Orange Beach, AL
Posts: 8,454
Luckily I have not had a problem. But this is a good reminder to review transactions on a regular basis.
__________________
Retired 3/31/2007@52
Investing style: Full time wuss.
Dawg52 is offline   Reply With Quote
Old 10-24-2019, 07:26 AM   #4
Full time employment: Posting here.
 
Join Date: Jul 2013
Posts: 874
Seems to happen to us every 18-24 months, but that's been the case w/ every CC we've had, not just Fido.
mrfeh is offline   Reply With Quote
Old 10-24-2019, 07:41 AM   #5
Thinks s/he gets paid by the post
Senator's Avatar
 
Join Date: Feb 2014
Location: Williston, FL
Posts: 3,925
Quote:
Originally Posted by Carol1862 View Post
This is the 2nd time in less than 3 months. Anyone else with this problem? I get a text immediately when it is used. Yesterday I got a text from an airline in Canada for over $400. Called them immediately and now once again I have to stop my auto payments. Iíve been transferring them to my checking instead, but several will only take a CC. Plus I liked the cash back from using CC. Frustrating.
It has nothing to do with Fidelity. It is more related to where you use your own CC and what places you frequent when you use it.
__________________
FIRE no later than 7/5/2016 at 56 (done), securing '16 401K match (done), getting '15 401K match (done), LTI Bonus (done), Perf bonus (done), maxing out 401K (done), picking up 1,000 hours to get another year of pension (done), July 1st benefits (vacation day, healthcare) (done), July 4th holiday. 0 days left. (done) OFFICIALLY RETIRED 7/5/2016!!
Senator is offline   Reply With Quote
Old 10-24-2019, 08:24 AM   #6
Recycles dryer sheets
Beststash's Avatar
 
Join Date: Nov 2003
Posts: 270
My Penfed card was compromised about a year ago with a purchase of $2000+ from Washington State (I live in Texas). No idea how but the fraud team said that the transaction only required a zip code not the code on back. That made me think of a gasoline purchase?? Since then if I use a card for online purchase I use my Citi card and get a "Virtual Card number" that is only valid for that purchase. Not sure if that will solve the problem but it couldn't hurt.
Beststash is offline   Reply With Quote
Old 10-24-2019, 08:44 AM   #7
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Chuckanut's Avatar
 
Join Date: Aug 2011
Location: West of the Mississippi
Posts: 10,171
I use Capital One's ENO system which generates a unique virtual card number for each of my recurring payments. If my card is compromised they give me a new physical card with a new card number that is linked to my current ENO virtual card numbers.

Info here: https://www.capitalone.com/applicati...virtualnumbers

If my ENO card number is compromised, there isn't much they an use it for, and I only have to get a new number for the merchant the ENO number is used with.

The downside is the Capital One pays only 1.5% cash back instead of 2%. I figure it is a small price to pay (maybe $20 a year) for avoiding the hassle of changing card numbers. If I do make a big purchase online, I will use the 2% card but that is rare.
__________________
The worst decisions are usually made in times of anger and impatience.
Chuckanut is offline   Reply With Quote
Old 10-24-2019, 11:36 AM   #8
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Sunset's Avatar
 
Join Date: Jul 2014
Location: Spending the Kids Inheritance and living in Chicago
Posts: 8,752
Quote:
Originally Posted by ERD50 View Post
..... But I keep my recurring payments on a card that I don't use for anything else, and it stays at home in a drawer. ....

-ERD50
++

I am finally moving to this system, with a card that auto-pays itself on the statement date.

Besides the benefit of being pretty safe from stolen, this is also great when going on a long vacation - no more worrying about paying bills.
__________________
Fortune favors the prepared mind. ... Louis Pasteur
Sunset is online now   Reply With Quote
Old 10-24-2019, 11:57 AM   #9
Thinks s/he gets paid by the post
 
Join Date: Jun 2016
Posts: 3,534
I had back to back fraud on my card at Fido, but that was with the old card company. Since they switched to Elan, nothing yet. Knock on wood.
COcheesehead is offline   Reply With Quote
Old 10-24-2019, 12:04 PM   #10
Thinks s/he gets paid by the post
RobbieB's Avatar
 
Join Date: Mar 2016
Location: Central CA
Posts: 4,991
My Fido card was hacked a little over a year ago. My Discover card was hacked last night.

What's new?
__________________
Retired at 59 in 2014. Should have done it sooner but I worried too much.
RobbieB is offline   Reply With Quote
Old 10-24-2019, 12:08 PM   #11
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jan 2018
Location: Tampa
Posts: 5,535
Quote:
Originally Posted by Sunset View Post
++

I am finally moving to this system, with a card that auto-pays itself on the statement date.

Besides the benefit of being pretty safe from stolen, this is also great when going on a long vacation - no more worrying about paying bills.
Same here for auto pay bills, except I pay off the balance online at the end of the month (not automated).
__________________
TGIM
Dtail is online now   Reply With Quote
Old 10-24-2019, 12:12 PM   #12
Thinks s/he gets paid by the post
 
Join Date: Aug 2005
Location: Crownsville
Posts: 2,547
I have a Bank of America VISA that seems to get compromised fairly often. I think it's happened twice this year. It's the most common card I use, though.


I also had another card get hacked...either PNC or Wells Fargo, I forget which. But that one was one I hadn't used in awhile, and would usually keep out of my wallet and hidden at home.
Andre1969 is offline   Reply With Quote
Old 10-24-2019, 12:16 PM   #13
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Jan 2018
Location: Tampa
Posts: 5,535
Quote:
Originally Posted by Senator View Post
It has nothing to do with Fidelity. It is more related to where you use your own CC and what places you frequent when you use it.
I agree with Senator. I have not read anywhere on CC sites that certain cards are more suspect as to being hacked.
__________________
TGIM
Dtail is online now   Reply With Quote
Old 10-24-2019, 12:38 PM   #14
Recycles dryer sheets
 
Join Date: Dec 2016
Posts: 109
I didnít mean to imply it had anything to do with Fidelity. Just stating it was my Fidelity card. Iím just frustrated that it was compromised again. I like the idea of having a CC solely for auto payments. Might look into that. Right now Iím slowly just converting everything to my checking account.
Carol1862 is offline   Reply With Quote
Old 10-24-2019, 02:19 PM   #15
Recycles dryer sheets
 
Join Date: May 2015
Location: NorCal
Posts: 168
My Fidelity card gets compromised about once a year but it's also the only card that I physically hand over to a retail establishment (mostly restaurants) for processing. The majority of the fraudulent charges were from overseas transactions. I've asked their fraud department if there was any way I could block all foreign card not present transactions since I do not use this card for foreign transactions because of the added fees. Sadly, I was told no.
FIREd_2015 is offline   Reply With Quote
Old 10-24-2019, 02:25 PM   #16
Thinks s/he gets paid by the post
 
Join Date: Jun 2016
Posts: 3,534
Quote:
Originally Posted by FIREd_2015 View Post
My Fidelity card gets compromised about once a year but it's also the only card that I physically hand over to a retail establishment (mostly restaurants) for processing. The majority of the fraudulent charges were from overseas transactions. I've asked their fraud department if there was any way I could block all foreign card not present transactions since I do not use this card for foreign transactions because of the added fees. Sadly, I was told no.
I wonder why I have to let them know when I travel overseas then. Hmmm.
COcheesehead is offline   Reply With Quote
Old 10-24-2019, 02:30 PM   #17
Moderator
braumeister's Avatar
 
Join Date: Feb 2010
Location: Flyover country
Posts: 14,563
Quote:
Originally Posted by FIREd_2015 View Post
My Fidelity card gets compromised about once a year but it's also the only card that I physically hand over to a retail establishment (mostly restaurants) for processing.
I noticed this some years ago. Every time I had a card hacked it was within a few weeks of using it to pay for a meal at a restaurant, usually one not in my own neighborhood.

So I began an ironclad policy of never letting a credit card out of my sight when using it. That means I have to always carry enough cash for a good meal, but I'm OK with that since I always have some cash in my wallet anyway.

Since I began this practice about ten years ago, I've only had two card compromises, so I'm content that it's working well enough.
__________________
I thought growing old would take longer.
braumeister is offline   Reply With Quote
Old 10-24-2019, 02:45 PM   #18
Recycles dryer sheets
 
Join Date: May 2015
Location: NorCal
Posts: 168
Quote:
Originally Posted by braumeister View Post
I noticed this some years ago. Every time I had a card hacked it was within a few weeks of using it to pay for a meal at a restaurant, usually one not in my own neighborhood.

So I began an ironclad policy of never letting a credit card out of my sight when using it. That means I have to always carry enough cash for a good meal, but I'm OK with that since I always have some cash in my wallet anyway.

Since I began this practice about ten years ago, I've only had two card compromises, so I'm content that it's working well enough.
The one thing I've tried and still in the process of experimenting with is scratching out the CVV on the back of the card to see if that will reduce the fraudulent card not present transactions. I bought some stuff at a local plumbing store recently and the store didn't have a working CC reader so the clerk processed it on their computer as a card not present transaction. She asked for the CVV and I said I don't remember but it's on my phone which is in the car. She said she would try processing it without the CVV first. To my surprise, the transaction went thru without the CVV (~$50).
FIREd_2015 is offline   Reply With Quote
Old 10-24-2019, 02:49 PM   #19
Thinks s/he gets paid by the post
dtbach's Avatar
 
Join Date: Apr 2011
Location: Madison
Posts: 1,277
Most of my hacks have been against my Discover card. But at least once a year, one of my cards seems to get hacked. Oh well.
__________________
Wild Bill shoulda taken more out of his IRA when he could have. . . .
dtbach is offline   Reply With Quote
Old 10-24-2019, 04:20 PM   #20
Full time employment: Posting here.
 
Join Date: Apr 2008
Posts: 670
Quote:
Originally Posted by Senator View Post
It has nothing to do with Fidelity. It is more related to where you use your own CC and what places you frequent when you use it.
I think this is true. The younger generations use debit cards everywhere, including small merchants, and many are willing to accept the risks of waving their wireless devices over pay bases. Good luck with that.

Fingers crossed, I can't remember the last time we had a bogus charge on either of our main credit cards.. Neither of us use any wireless device (cell phone, Kindle, laptop) to access our financial or banking accounts, not even at home. Being paranoid can be inconvenient, but we're willing to live with that.

Quote:
Originally Posted by braumeister View Post
So I began an ironclad policy of never letting a credit card out of my sight when using it. That means I have to always carry enough cash for a good meal, but I'm OK with that since I always have some cash in my wallet anyway.
Same here. That and for small purchases. I watch people using their debit cards at small merchants for under $5 purchases and just shake my head.
__________________

statsman is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
BOA Credit card "compromised" SumDay Other topics 14 10-31-2013 05:49 PM
Compromised Email Account Katsmeow Life after FIRE 40 01-26-2012 07:44 AM
I may be one of 77000 whose privacy is compromised.... what now? toofrugalformycat FIRE and Money 6 01-29-2010 09:49 PM
CC compromised! Bimmerbill Other topics 3 04-02-2009 05:02 AM
Credit Card Compromised AirplaneGuy Other topics 9 11-06-2007 04:13 PM

» Quick Links

 
All times are GMT -6. The time now is 09:20 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2020, vBulletin Solutions, Inc.
×