First fraud charge ever (CSP)

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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lobbythis
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Postby lobbythis » Thu Oct 30, 2014 9:03 pm

Snowman wrote:I wonder where these people are getting my card info from...Good thing Chase caught it.


Usually from a lot of online shopping.

But, with all the incidents with POS terminals this year, who knows for sure.


Brad Bishop
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Postby Brad Bishop » Fri Oct 31, 2014 8:05 am

I'm pretty careful with my cards. I went for a good number of years without any kind of fraud.

A few years back I started getting hit about once a year. I think it was 3 or 4 years in a row. One time someone successfully bought a tractor for $5000 in Kansas - I've, at best, driven through Kansas once about 25 years ago. I caught it on my statement before they did. It wasn't a huge deal as I just disputed it and they took it off and gave me a new account and sent me a new card.

I never did figure out how my cards were compromised each time as I'm not buying porn or anything of that ilk with them. Maybe just a DB breach that was never publicly reveal - just a guess.

I haven't been hit with it in about 3 years. Steps I've taken to try to limit the impact:
- Use one card (Discover, currently) for online shopping / any kind of re-occuring online charges (Netflix, etc)
- Use Amex for Travel - so it's exposed to the internet but in a limited way.
- Use Visa for the odd online thing that won't take Discover.
- Use MasterCard as my non-online, but around town, card. I normally just pay in cash but sometimes I don't make it to the ATM.

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nismoZtuner
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Postby nismoZtuner » Fri Oct 31, 2014 1:18 pm

flan wrote:The number to call is on the back of your card, whether you want to wait for their call, or not. Someone calls, claiming to be a bank, the only reasonable action is say "Taht's nice", hang up, and call them. With chase, they'll tell you to call a different number (or transfer you to that number).


i called the phone number on their mobile app- i did not want to call the number that was texted to me.. the first CSR just transferred me to the fraud department
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nismoZtuner
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Postby nismoZtuner » Fri Oct 31, 2014 1:23 pm

Brad Bishop wrote:I haven't been hit with it in about 3 years. Steps I've taken to try to limit the impact:
- Use one card (Discover, currently) for online shopping / any kind of re-occuring online charges (Netflix, etc)
- Use Amex for Travel - so it's exposed to the internet but in a limited way.
- Use Visa for the odd online thing that won't take Discover.
- Use MasterCard as my non-online, but around town, card. I normally just pay in cash but sometimes I don't make it to the ATM.


i have a similar system like yours. The only time my CSP card is used is for bills my brother pays and every now and then when my amex card is not accepted.. and of course the time i went to PR since the charges were considered "international"
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710

BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]

American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]

Chase Sapphire Preferred[7.3]

Inquires: TU(?) EX(?) EQ(?)

TCL-$19,800

Age-22

flan
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Postby flan » Fri Oct 31, 2014 8:14 pm

lobbythis wrote:Usually from a lot of online shopping.

But, with all the incidents with POS terminals this year, who knows for sure.


Very little of it is from online shopping. In the US, it's largely from compromised POS systems (like at Target, Home Depot, Kmart, ...........), from a bad actor at the store, or from skimmed cards at self service terminals (atms, gas pumps, etc).

There's some online theft of numbers, but not a huge amount.

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lobbythis
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Postby lobbythis » Sat Nov 01, 2014 2:31 am

flan wrote:Very little of it is from online shopping. In the US, it's largely from compromised POS systems (like at Target, Home Depot, Kmart, ...........), from a bad actor at the store, or from skimmed cards at self service terminals (atms, gas pumps, etc).

There's some online theft of numbers, but not a huge amount.


POS terminals connected to the internet storing information via online database. The issue is not the person physically standing there nor is it the hardware. It is all software based and acts just the same when you purchase something online. It can be a database breach or man-in-the-middle attacks, but it certainly isn't people physically stealing anything.

The POS fear mongering is distorted and US news loves to do just that.



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