Never used card numbers stolen?

Get credit card fraud help: For victims of credit card fraud and identity theft, and those that can help.
7 posts
GVG
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Never used card numbers stolen?

Postby GVG » Sat Jan 04, 2014 8:30 pm

I recently discovered a couple of fraudulent activities on one of my credit cards. Bad enough, but what perplexes me is that I have never used this card to buy anything. When I opened up my bank accounts a few years ago they gave me a credit card as part of the deal. I did not need it so I put it away in my safe. It has never been swiped or seen the light of day in three years.

So how did someone get my number and make cash advances at a bank ATM 1000 miles away from me?

Thx


MemberSince99
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Postby MemberSince99 » Sun Jan 05, 2014 3:32 pm

Beats the hell out of me. But this is another example of why leaving open cards you are never going to use can be a bad idea. Hopefully you caught this within the 90 day fraud window. If so you should be in good shape. If not, that would be a very bad thing as you could end up on the hook for it.


I still maintain if you aren't going to use it, it really isn't doing you any good and you may as well close it. I can't see why you wouldn't use it, but of course there may be a good reason for that.

GVG
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Postby GVG » Sun Jan 05, 2014 5:35 pm

I have to keep the card in order to be able to do checking deposits to my account from my iPhone. This a branchless bank, so all transactions are by computer or phone. The card is required as a backup in case the checks are bad.

takeshi
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Postby takeshi » Mon Jan 06, 2014 9:13 am

Not sure either but usage is only one way to obtain card info. Always monitor your unused cards.

Obi-dan
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Postby Obi-dan » Mon Jan 06, 2014 4:06 pm

The bank could have had its information compromised and the numbers taken that way or the numbers could have been taken internally from an employee within the financial institution. Neither of these scenarios would require use of the card.

Good luck on the claim.
Cards:
Chase Sapphire Preferred
Marriott Rewards
Citi Hilton
Barclay Arrival
AMEX BCE (member since 95)
Chase Freedom
Discover It
Wells Fargo Platinum
Barclaycard (Apple)
Local Credit Union Visa (buy local!)


FICO Scores:
TU: 824 (Aug 2014)
Experian: 789 (Aug 2014)
Equifax: 807 (Aug 2014)

GVG
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Postby GVG » Mon Jan 06, 2014 4:10 pm

They were very good about canceling the charges and issued me a new card.

Ikarus
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Postby Ikarus » Mon Jan 06, 2014 11:23 pm

Obi-dan's theory sounds plausible. An employee at creditor can run a query showing cards that haven't been used in say 2 years, so they know the owner's eye is off the card.

In any event, there are too many ways to compromise a credit card number at any number of venues. There are even devices that can clone credit cards if within 5 feet of them. They make money clips/wallets that protect against these types of cloning attempts.

On another note: I paid my cell phone bill today using Citi's virtual, one-time credit card number. Worked like a charm and I absolutely love it.
Merrick Bank (Hooters) 4100
Cap One Quicksilver 2800
Discover it 2500
Citi Forward 5400
Chase Freedom 1000
AMEX Blue Cash Everyday 5500
Citi Dividend 5600
Cap One Visa Platinum 750 (CLOSED)



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