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Open Roads Forum  >  Around the Campfire  >  General Topics

 > Credit Card Fraud

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wa8yxm

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Posted: 01/16/21 04:58am Link  |  Quote  |  Print  |  Notify Moderator

I am still getting notices from Capitol one that two companies are charging my old card... Well today I did a bit of research... I'm not going to give the scammers my new card number.


Home is where I park it.
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fj12ryder

Platte City, MO

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Posted: 01/16/21 07:27am Link  |  Quote  |  Print  |  Notify Moderator

down home wrote:

I don't use a credit card often enough to dive into Credit Card Security issues. Filling the tank is about it. Stores well if it isn't sporting goods, tractors ,farm supply, well I don't do them, ahem I mean except trailing the wife at the Supermarket filing a cart with the good stuff and putting it ahead of hers at the check out or putting it in her basket then going to the car.
We use credit card for almost everything, I wouldn't have a debit card due to the lack of guarantees, and the risk of losing your whole bank account.

Besides, we got back nearly $500 in cash over the course of the year. That's simply from buying necessary items during the year. Not to mention the lead time on purchases that you don't get with cash or debit cards. The cards get paid off every month so there is no interest paid any time. To me that's a win win.


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Old-Biscuit

Verde Valley

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Posted: 01/16/21 08:45am Link  |  Quote  |  Print  |  Notify Moderator

I love that quarterly deposit into my savings account
CC for ALL purchases....hers is set for 3% back on groceries and mine is set for 3% back on-line purchases.
Plus no fees nor to we pay any interest !!!

* This post was edited 01/16/21 10:34am by an administrator/moderator *


Is it time for your medication or mine?


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fj12ryder

Platte City, MO

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Posted: 01/16/21 11:10am Link  |  Quote  |  Print  |  Notify Moderator

The Costco card has some good rates: 4% for gas at Costco, which is already about 15 cents/gallon cheaper, 3% for restaurants, 2% for Costco general purchases, and 1% for all other purchases. Plus our Capitol One card is 1.5% on groceries.

No fees, and no interest.

On Edit: Changed name of CC to Capitol One. Oops.

* This post was edited 01/18/21 07:36am by fj12ryder *

mbopp

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Posted: 01/17/21 08:49am Link  |  Quote  |  Print  |  Notify Moderator

I get a message on my phone within a minute of a CC transaction.


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naturist

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Posted: 01/19/21 07:20pm Link  |  Quote  |  Print  |  Notify Moderator

I, too, have set my preferences at my card issuer’s web site to text me every time any charge is made to any of my cards. I do not find the ding of a text coming in as I walk away from the register to be anything but soothing.

I have had credit cards compromised in the past. And I’ve had to go through the hassle of disputing fraudulent charges. Then, I found out there was a problem when looking over the monthly statement, after a number of bogus charges were made. Now I will know immediately. And if you get on it within minutes, you not only have less to dispute, it is also very much easier to get fraud removed from your account.





fj12ryder

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Posted: 01/20/21 07:41am Link  |  Quote  |  Print  |  Notify Moderator

IME, admittedly not that many, but I've never had any issues with disputing charges that weren't mine. Only one time did I even have to fill out any "paperwork", and it was an online form. Card balances get checked fairly frequently, so I don't mess with the phone notifications.

wa8yxm

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Posted: 01/20/21 03:10pm Link  |  Quote  |  Print  |  Notify Moderator

While I was out (Forgot my phone) I got a call.
..... we have detected a sususcious 1499.00 charge on your card linked to your amazon card and have put a tempory hold on it.. Press 1 or 2. Thank you

Well Clearly i did not press 1 or 2 as I was not home it went to voice mail.

No such transaction. On hold or other wise, appears on either the Amazon account page or the bank's account page..> Clearly a Phish attempt.

fj12ryder

Platte City, MO

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Posted: 01/20/21 05:43pm Link  |  Quote  |  Print  |  Notify Moderator

Wow, a phishing attempt on a phone. I hadn't heard of those, thought it was just email.

rk911

DuPage County

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Posted: 01/20/21 05:53pm Link  |  Quote  |  Print  |  Notify Moderator

fj12ryder wrote:

Wow, a phishing attempt on a phone. I hadn't heard of those, thought it was just email.

yup. i had a voice mail from the social security police the other day threatening me with arrest and jail if i did not "press 1 to speak to an officer about fraudulent activity". lolololol.


Rich
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