- Centurion Member
- Posts: 875
- Joined: Thu Apr 30, 2009 2:32 pm
- Location: Texas
Citi contacted me about unauthorized use on a card the other day. It's been closed and a new one is coming as is the usual affidavit with fraud charges listed, etc. I've had this happen three or four times now in the last several years.
The cards are never lost/stolen, but somehow the acct. number is harvested and used. Once this happened with a card that I had never used for anything other than one balance transfer.
Anyway, I'm wondering if anyone knows whether Amex cards/numbers are less susceptible to this. My fraud experiences have only been with MC and Visa, although I have two Amex cards (one through FIA Card Services/BofA).
Further, I have a debit card that I NEVER carry and only use as an ATM card (I tried to get an ATM-only card from the bank, but that wasn't available). If crooks can harvest CC numbers so easily, what's to keep them from doing the same with debit card numbers?
It seems like the risk of having one's checking account emptied is rather great for anyone with a Visa/MC-branded debit card. Any thoughts?
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).
*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.