Who here has had their CC number stolen and used?

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
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FastSRT8
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Who here has had their CC number stolen and used?

Postby FastSRT8 » Sat May 25, 2013 1:51 pm

Just recently had my Visa number stolen (I guess while I was traveling thru China) and didnt realize it until I got my statement and noticed a few Paypal charges that were not mine. I don't use Visa on Paypal.

I am a primarily Amex user so I can recall the few places I used the Visa over the course of my trip. My number was stolen in Shanghai.

Visa cancelled and reissued my card.

Question is.... it seems Visa get's hacked so much more than Amex. Touch wood I have never had my Amex # compromised. I wonder if it's because there are just so much more visa cards out there of if Amex really has a better way of protecting their accounts.

I mean it's just as easy to write down my Amex number as it is to pen down my Visa.

Thoughts?
Carpe diem quam minimum credula postero!


KrazyNick
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Postby KrazyNick » Sat May 25, 2013 2:56 pm

The only fraud I've had has happened on two visa cards. You may be on to something
Bank of America Travel Rewards Visa Signature - 5k (2/10)
Capital One Mastercard- 2.5k (1/11)
Chase Freedom- 5k (4/11)
Discover It- 3k (5/11)
Chase Amazon Visa- 2k (5/13)
American Express Blue Cash Everyday- 8k (5/13)

Bank of America WorldPoints Rewards for Business- 18k (11/11)

Robrus1
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Postby Robrus1 » Sat May 25, 2013 4:37 pm

Yeah I had my CSP Visa card # stolen and used a month or two ago. Chase called and asked me if I made two purchases in CA to the tune of about $1600. I can't imagine how it happened, they called me at work and I live in Texas and haven't been to CA in a few years. They were really cool about it though, they overnighted us new cards and we mailed the old ones back. I wasn't held liable for any of those charges and they were removed. Yeah I think Visa/MC cards are more prone to fraud due to the sheer volume of cards out there, and because they're accepted pretty much everywhere. It reminds me of when PCs were much more prone to computer viruses than Apple computers, partly because there were so many more PC users.

I believe that someone in the food svc industry that left my sight with the card probably wrote down my card # and must've sold it online to someone in CA because Chase said that the fraudulent charges were made using a physical card. I was able to confirm posession of my card and my AU's card, so whoever got ahold of my card # had a card machine and created a card with my # on it. I only used my CSP twice in the last few weeks before my card # was compromised. One of the places I frequent and haven't had a problem there any other time, so it must've been written down at the other place, which is a steakhouse. I just don't know how else my card # could've been compromised, short of hacking Chase's card accounts. 99% of the time when I use my CSP it is not taken away from my sight to be swiped. I also think that the fact that Amex cards only have 15 digits instead of 16, and they have a 4 digit security code instead of a 3 digit, might have something to do with less stolen card #s. I'm not sure why I think that, but it could. There is a 3 digit number on the back of my Amex and I wonder if people write that down thinking it's the security code...
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

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FastSRT8
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Postby FastSRT8 » Sat May 25, 2013 5:15 pm

Yeah my story is similar. I got my number stolen from the admission booth at TV Towers in Shanghai. That's the only place I used the card. The card didn't even leave my sight!
Carpe diem quam minimum credula postero!

jrv
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Postby jrv » Sat May 25, 2013 5:26 pm

I had my AMEX compromised a few years ago & to this day I believe it was one of the workers at one the pizza stores in my neighborhood. I tried placing the order online for delivery & for some reason the site wouldn't take my order so I called the store and placed the order. I gave the guy my card number not thinking anything of it. A few weeks later I get a call from AMEX telling me that they closed my account down because someone in California charged 2 small charges for about $5 dollars & 2 charges for about $500 each. I live in NJ. AMEX removed the charges promptly & sent me a new card within a few days.
Main:
AMEX Platinum NPSL, Member Since 92
AMEX Blue 15K
PenFed 11K
PNC Visa 20K
First National Bank Omaha Platinum Visa 25K
Citi Simplicity 11K
Drawer:
50K Total

MemberSince99
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Postby MemberSince99 » Sat May 25, 2013 5:41 pm

Man there must be a lot of thieves out there.

Just think if that had been your DEBIT card instead. Makes you appreciate credit cards all the more.

jrv
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Postby jrv » Sat May 25, 2013 6:05 pm

MemberSince99 wrote:Man there must be a lot of thieves out there.

Just think if that had been your DEBIT card instead. Makes you appreciate credit cards all the more.


I was lucky. I could have easily given my Debit card number because I only carry my AMEX, debit card & a Visa in my wallet nowadays.
Main:
AMEX Platinum NPSL, Member Since 92
AMEX Blue 15K
PenFed 11K
PNC Visa 20K
First National Bank Omaha Platinum Visa 25K
Citi Simplicity 11K
Drawer:
50K Total

benhollberg
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Postby benhollberg » Sat May 25, 2013 10:03 pm

I have my AMEX information stolen once, checked my recent activity and had two charges from Europe, Italy I think. Called AMEX and told them, no big deal and had a new card the next day. I have no idea how someone got my information.
American Express Platinum Card
American Express TrueEarnings Card from Costco
Marriott Rewards Premier Visa Signature Card
Chase Sapphire Preferred World MasterCard
Discover It

Bksuper
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Postby Bksuper » Sun May 26, 2013 1:02 am

I had my DEBIT card stolen a few months ago, got woken up early Friday morning to a call from master card asking me to verify charges they had declined after letting them debit the account into -$300 balance first, right after I had made a transfer to pay my one of my big CC bills. They got well over a thousand dollars through and more declined. They shut down the card and I had to call my depository bank for a temporary credit (reg e) that took over 10 business days to process. Luckily I had plenty of money in other accounts to move in to pay my CC bills, but I still had to wait 90 days for them to confirm the credits were perm. And I had to fill out a ton of paperwork to mail back to them. To add insult to injury, I hadn't used the debit card in nearly a year, since getting my first decent limit credit card, and I knew to always use credit.
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
Costco TrueEarnings Amex $29.4k CL, AU since 11/2012

Sevenfeet
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Postby Sevenfeet » Sun May 26, 2013 7:27 am

I think I'd written about this earlier but the Chase Freedom my wife and I carry was compromised a couple of months ago. Someone tried to use it in Houston trying to buy $1500 worth of kids supplies at a something like a Babies R Us. Chase denied the purchase and contacted us. New cards were sent out immediately. How they got the number was still a mystery. Since we were using Chase exclusively for gas purchases at the time, I'm guessing a skimming machine.
Cards:
American Express Platinum (NPSL)
Penfed Platinum Reward Visa ($28K)
Chase Freedom Visa ($25K)
Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
Bank of America Cash Rewards MasterCard ($20K)
Citi Thank You Preferred Visa ($9.5K)
Chase Sapphire Preferred ($7.5K)
US Bank Cash + Visa Signature ($7K)
Discover IT ($4K)



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