credit card fraud pending

[Chuckanut]

Yes, I did that too and it worked great until: THAT designated card got corrupted. Having added ALL my automatic payments to this card, this meant a MAJOR effort to re-set them all.
Can't win

Check out Capital One's ENO system. A virtual number for each account. If one is compromied the others keep on working.

 

[ERD50]

A few points:

It's not just the hassle of changing card numbers. I want to catch the crooks BEFORE they rack up a big expense because it's the right thing to do. I like to think I'm a better person than to just say "Why should I care, it's not my money?" ...

That's a really good point, and if I recall the details correctly, this played out for me a few years back. I see a charge pop up, something related to "STEAM", which I vaguely knew as some sort of computer gaming thing. Asked DW if she bought any computer games as a present for our nephew (who I knew liked computer games). No. I call CC company, and there was apparently some delay between these scammers placing the order and getting the stuff - and the CC company got the order cancelled before they were out the $.

Hmmmm, I don't recall getting a reward for that? Oh well, it still felt good to have played "Super Hero" in some minor way (fighting a never ending battle for truth, justice and the American way.).

...

I get that some spouses might find it creepy to have the other spouse know when they've made a purchase. I count myself fortunate that we're both on the same page with financial matters, and it's not an issue. It's even helpful sometimes so I know when she's done in the store.

Dedicating one credit card to recurring payments helps. I do that. But of course the credit card company can replace the card if your account showed up in some data breach. The fewer places the card is used, the less likely that'll happen. But there's no guarantee.

Oh yeah. I mean, she says she's going out for groceries and to get gas. Heck, if I don't see the charges pop up, I might wonder if something is wrong. It's hard to see how she would in any way "not like that". I think she appreciates that I'm looking out for her well being. What's not to like? And it's just a side effect of the alerts, it wasn't the reason I got them.

And that's my thinking as well on the one card for auto-pay. No guarantee, but so far so good.

-ERD50

 

[CaptTom]

Hmmmm, I don't recall getting a reward for that? Oh well, it still felt good to have played "Super Hero" in some minor way (fighting a never ending battle for truth, justice and the American way.).

Yup. I also answer every phone call I can, and flag it if it's spam. This way the carrier will show "possible spam caller" when this number calls other customers. It costs me nothing, and I feel good that maybe I saved some poor sucker a lot of money, and deprived a scumbag spammer of same.


"Remember, I'm pulling for you. We're all in this together."
- Red Green

 

[braumeister]

I was casually checking my Schwab checking account the other day and saw two obviously fraudulent transactions pending. Both were within an hour of each other, for the same amount, a little over $1.00, and for some sort of gaming company, billed through Google.

I have never used that account's debit card for anything but cash from an ATM, and last used it several months ago.

Contacted Schwab and they will take care of it, sending me new debit cards, but I was extremely surprised that the account could be compromised like that. Proving once again that you have to monitor everything.

 

[CuriousJoe]

Yes, I did that too and it worked great until: THAT designated card got corrupted. Having added ALL my automatic payments to this card, this meant a MAJOR effort to re-set them all.
Can't win

I had a fraudulent charge on my CC and it was from a subscription service I never heard of. CC reissued me a new card. Next month, same charge appeared again. I called CC and they said: "we gave the merchant the new card number".



I got flabbergasted! Apparently, for any recurring transactions, such as auto bill pay etc. they have the right to do so!



My Google search agreed with this!

 

[Alan]

I was casually checking my Schwab checking account the other day and saw two obviously fraudulent transactions pending. Both were within an hour of each other, for the same amount, a little over $1.00, and for some sort of gaming company, billed through Google.

I have never used that account's debit card for anything but cash from an ATM, and last used it several months ago.

Contacted Schwab and they will take care of it, sending me new debit cards, but I was extremely surprised that the account could be compromised like that. Proving once again that you have to monitor everything.

Similar thing happened to me since we’ve been living in England with our US bank debit card. Someone used it to buy something and get cash back with the purchase in some town I’ve never heard of in Arizona. That card is only ever used to get cash at an ATM when we visit the USA and it had been at least 2 years since it was last used.

Fingers crossed but we have never had a fraudulent charge on any of our UK cards and we’ve had UK cards many years before we moved back here 5 years ago.

 

[akck]

We recently had fraudulent charges on our Costco CC. It started out with 2 small Amazon purchases. We have an Amazon CC, used exclusively for Amazon, so obviously fraudulent charges. I did dispute the charges yet as we were going on a trip and I needed to use the card. About a week later, there was a purchase of almost $1,000 for what I assume was a phone by the description. Citibank flagged it and I called which cancelled the card. About a month later, my wife's Costco CC had 2 fraudulent charges of about $190 for a membership and $89 from Amazon again, which I immediately disputed. Her card was cancelled.

I originally thought my card was skimmed somewhere, but with my wife's CC getting hit too, I now assume some sort of data breach. More concerning, is that when I disputed the Amazon charge, a question came up saying it was a Wallet charge. My wife doesn't even know how to pay with her iPhone Wallet, so doesn't have her Costco CC on it and our Amazon account has our Amazon CC in it's wallet.

 

[Turbo29]

We recently had fraudulent charges on our Costco CC. It started out with 2 small Amazon purchases. We have an Amazon CC, used exclusively for Amazon, so obviously fraudulent charges. I did dispute the charges yet as we were going on a trip and I needed to use the card. About a week later, there was a purchase of almost $1,000 for what I assume was a phone by the description. Citibank flagged it and I called which cancelled the card. About a month later, my wife's Costco CC had 2 fraudulent charges of about $190 for a membership and $89 from Amazon again, which I immediately disputed. Her card was cancelled.

I originally thought my card was skimmed somewhere, but with my wife's CC getting hit too, I now assume some sort of data breach. More concerning, is that when I disputed the Amazon charge, a question came up saying it was a Wallet charge. My wife doesn't even know how to pay with her iPhone Wallet, so doesn't have her Costco CC on it and our Amazon account has our Amazon CC in it's wallet.

Costco Data Breach: Card Skimmer Exposes Customers’ Payment Details! Stealing Thousands of Dollars in Fraud Charges

 

[isisdave]

When this happened to me a few years ago, there were two sub-$1 charges the same day.

One was to an auto parts store in a rural town in Idaho. The other was to a greeting card / gift store in Scotland.

 

[papaof2]

Credit card fraud often starts small - trying to get verification that the card and PIN are good - and they hope you won't notice.

Citi is generally quick to handle those problems.

 

[PointBreeze]

I log into Fido several times/week and check my posted and pending charges on our Fido Visa. It’s our main card, so I want to catch something ASAP.

 

[RobbieB]

I don't care how long it takes to get a new card. I have plenty of others to use in the interim.