At Amex... your card TRULY never stops working.

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
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Mitch
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At Amex... your card TRULY never stops working.

Postby Mitch » Sun Jan 04, 2015 4:31 am

Turns out, with Amex, when you report your card as lost or stolen, it continues to work, just as it always has, online. PayPal? Yup. Amazon? Yup. Papa Johns? Yup. Target.com? Yup.

And so on & so forth. Basically, if you card has ever been used at any merchant online, it'll continue working at those specific sites, long after your card is reported stolen. This means anyone shopping as a "Guest" or placing a phone order.. or, just, clever enough to guess your passwords can continue using your credit card information, as long as it's been used at that merchant before.

I find this completely irresponsible, and just plain negligent. How in the world is this even considered okay?

Anyhow, if your Amex card goes missing, or you have your wallet stolen, keep a very sharp eye on your statements. Because your old card will never fully stop working, despite what any fraud or account specialist will tell you.
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Gamma
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Postby Gamma » Sun Jan 04, 2015 1:34 pm

I'm guessing this happened to you? I find it hard to believe the card would continue working after it's been closed down.

dickey1331
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Postby dickey1331 » Sun Jan 04, 2015 2:38 pm

If you're card gets stolen don't they give you a new number? How would they be able to use the old one?
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MB131174
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Postby MB131174 » Sun Jan 04, 2015 3:09 pm

dickey1331 wrote:If you're card gets stolen don't they give you a new number? How would they be able to use the old one?


I misplaced my original Green card and AmEx canceled that card and reissued me a new account number. They advised me the original one would no longer work. So, you're right in your assumptions.
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Mitch
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Postby Mitch » Sun Jan 04, 2015 6:52 pm

MB131174 wrote:I misplaced my original Green card and AmEx canceled that card and reissued me a new account number. They advised me the original one would no longer work. So, you're right in your assumptions.


The physical card won't work if swiped... However, if anyone picks up your wallet, they probably have your card number & address (it's printed on your ID).. and they can start shopping at Amazon, and other stores, if they checkout as a guest, or make a new account (not all sites will stop you from making one, even if the card is already linked to another account.)

Amex says, they do this a courtesy... for those times you forget to update your credit card information for recurring billing (think Netflix, Gym Membership, Internet Service, etc.).. However, I find this a security flaw. As, someone pretending to be me, can easily start shopping online, at stores I've purchased stuff from before.

I mean, don't we all shop online, atleast once with our cards? It doesn't take that long to find a website, the card will approve for, apparently.

I don't see this as a courtesy. I see this as a problem... and, I think it's irresponsible. And yes... I did have a card number stolen, and used online. I thought the card was closed, so I was shocked as hell.. to see it was still allowing stuff to be charged.
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MrMosby
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Postby MrMosby » Sun Jan 04, 2015 10:05 pm

Weird, normally when I've closed an Amex account they have asked if I wanted that feature as a courtesy and typically I decline. In fact I've never not been asked.
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takeshi
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Postby takeshi » Mon Jan 05, 2015 9:00 am

This isn't unique to AmEx. Other people with cards from other creditors have reported similar things happening -- particularly with automatic billing. Not saying that's the way it should be. The old number should be killed. Just pointing out that it's not just AmEx by a long shot.

whit
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Postby whit » Mon Jan 05, 2015 3:52 pm

I remember reading this awhile back http://uncrunched.com/2012/08/01/recurring-credit-card-charges-horror/

I think it's how its coded when the card is closed

Or thought

I mean I thought, if you report it stolen the number should no longer be used vs if you wanted to change the number for numbers sake

But now I think if there's an established pattern of payment there, it will still be allowed to go through

flan
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Postby flan » Mon Jan 05, 2015 9:34 pm

takeshi wrote:This isn't unique to AmEx. Other people with cards from other creditors have reported similar things happening -- particularly with automatic billing. Not saying that's the way it should be. The old number should be killed. Just pointing out that it's not just AmEx by a long shot.


I've got about 100 (literally, about 100) different places where my credit card is on file. Some, like amazon, have many of them; others have only one. I would stop using any card that didn't allow places with an established pattern of use to continue charging the card when the account number is compromised by no fault of mine or the merchant doing the recurring charge; so would many other people. Some people might just change the card that the charge happens to be associated with for whatever other reason. Amex knows that, so do lots of other companies, which is why there are ways for merchants to get updates about the card details when they change, automatically.

Why the flying f should I have to waste days of my time because Target, the Home Depot or whoever are flaming idiots?

Mitch
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Postby Mitch » Tue Jan 06, 2015 11:03 pm

flan wrote:Why the flying **** should I have to waste days of my time because Target, the Home Depot or whoever are flaming idiots?


This isn't just, Netflix, or other recurring billing places. This is specifically, new transactions, new orders. I could understand letting certain things through, but, not new purchases being made at retailers. This is what upsets me.

But anyhow, I'm not responsible for any of the charges. However, I do highly encourage all of you, who have had cards stolen, or used before, to keep a closer eye on your statements.
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Discover It $500 10/14. Capital One QS Visa $300 02/15, formerly Journey Visa Plat. 11/14.



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