How often is your card compromised by fraudsters?

[Jkyn]

Twice for me in the last 5 years both picked up by the bank and card cancelled. Both were overseas transactions not immediately following overseas travel. Bank refunded amounts on both occasions.

 

[Archphoto]

Twice, but that was about 8 years ago - ANZ Visa card.

Was for internet access in Australia, with a provider that billed monthly. Charged 2 months running - refunded both times by ANZ who told me they were investigating and never had it charged again.

No idea how they got the number, as I was (and still am) extremely diligent about CC safety; thankfully I haven't had any problems since, although Citibank used to p*&%^$$% me right off; every time I charged something on an OS trip they'd cancel the blasted card without bothering to call me first. I even notified them as suggested with the dates and countries - no change.

Cancelled the card and switched to another ANZ visa card - much happier and if they have any queries, they do actually call me (as do Amex.)

 

[rowdy]

I had ANZ block my visa because of 'suspicious transactions' occurring close to one another. They were my Skype subscription, which had been auto deducted for over a year prior, and a parking meter payment. It was then declined at the restaurant I went to (didn't accept AMEX) and I had to find an ATM to get cash out to pay the bill. They claim to have tried contacting me on landline, mobile and email before blocking the card but I had no missed calls or emails.

 

[MadFairlane]

Twice in 4 years... Sort of

The first one the bank rang me after a trip to Thailand to advise me that they were going to supply me with new card numbers because Thailand was a major area for skimming. I'd never had a bad transaction before, it seemed they were prempting any issues.

Second was about a month ago. 4 months after returning from SFO, someone tried to run a charge for about 4k at Macy's.

transactions were declined and the bank rang to check I wasn't still in the US.
Funny thing was it was my commbank MasterCard that was compromised, which we never used as we used Amex everywhere. Could've been skimmed out of my pocket for all I know

 

[JohnPhelan]

I've had a couple. One was a charge which appeared on my Amex from a company in the US. The date of charge was about a week after I had been in the US, but from a city I hadn't visited. Amex immediately cancelled the charge and the card, when I alerted them.

The second one didn't get that far, but was more interesting. Amex sent me a text asking me to call them about a suspicious transaction. When I called, they asked me if I was currently in a travel agency in Bogota, Colombia. No, I was in Brisbane. And they said someone was trying to pay for an airfare at the travel agency with my card. And, note, not my card number as a phone or internet transaction - the fraudster in the travel agency was presenting an actual Amex card with my name and number on it. So somehow my card had been cloned! Needless to say, Amex disallowed the transaction and cancelled the card.

I have never visited Colombia.

 

[k_sheep]

Knock on wood, nothing fraudulent yet. Had it frozen / cancelled a couple of times though due to suspicious transactions (which were all mine). One I remember was when the AirAsia Tune hotels had a $0 sale so there were lots of <$1 (for aircon addons and whatnot) transactions originating from Malaysia.

Am somewhat amazed at the fact, given I've spent so much time in Malaysia which is known to be quite the epicentre for credit card fraud *shrug*. Hope it keeps up!

 

[The Rok]

I used to get "done" on a regular enough basis (4 times a year) with 3 different NAB cards. Never overseas. No charges on the card just a call from NAB to say "we have identified a skimming device at your local ATM and in order to protect our valued customers blaa blaa…

I then came up with a thought, what if it were a marketing ploy by NAB? What if the logic was to tell your customers that you saved them before the fraud happened and as a result reassure them that NAB is Australia's safest bank…

Well, the next time I got the call (4 days later, different NAB card) I suggested it to the security guy on the phone, he laughed awkwardly, said yea I guess anythings possible and then we ended the call…. That was the last time I had a call from NAB to say my card was skimmed. That was 2 years ago…

I have my suspicions….

 

[shearsense]

Twice in three years. First time was a work credit card that I had extensively used on international trips over a month or two. The first time I used it in Australia, it was cancelled and the bank's excuse was that it was a suspicious transaction out of usual spending habits. I always wondered if that makes me the first person to have the only domestic transaction recognised as unusual.

The second one was a week or two after an online transaction. Check my account daily and noticed a withdrawal at an ATM in Russia - when I was in Europe. Was very difficult to get through the bank fraud line ("press 3 to increase your levels of frustration") by which time a second transaction had been done. Amazing how my card seemed to have been cloned and used in an ATM.

 

[QF WP]

I had my first fraudulent transaction (in 23 years) on my Amex 2 months ago. Remember it was a call, advising they had picked it up - I wasn't convinced they were Amex, so I told them I'd call them back. Rang the number of the back of the card and they explained that there had been 3 transactions - the first a $30 transaction to a website in Iceland (was rejected), the second to an online site in USA also for around $30 (accepted) and the final one was to Jet Airways for $3,000.

Needless to say, it was rejected and card cancelled.

 

[Plutonus]

Twice in the past 3-4 months with VISA. First one was someone shopping for airline tickets in Sweden, just last week the second was something shopping at a homewares store in South Africa. Never AMEX.

 

[whatmeworry]

So far my CC's have not been compromised. Did once have an issue where a transaction went through twice and turned out to be their IT glitch. Now when I use my CC I use my pin number and cover the keyboard when entering the pin number. I'm a bit worried with the new paypass/paywave feature. I have read that criminals can copy the chip just by being in close proximity to your CC.

That RFID-enabled credit card data can be easily, cheaply, and undetectably stolen and used for fraudulent transactions. With a Vivotech RFID credit card reader she bought on eBay for $50, Paget wirelessly read a volunteer’s credit card onstage and obtained the card’s number and expiration date, along with the one-time CVV number used by contactless cards to authenticate payments. A second later, she used a $300 card-magnetizing tool to encode that data onto a blank card. And then, with a Square attachment for the iPhone that allows anyone to swipe a card and receive payments, she paid herself $15 of the volunteer’s money with the counterfeit card she’d just created. (She also handed the volunteer a twenty dollar bill, essentially selling the bill on stage for $15 to avoid any charges of illegal fraud.)

Hacker's Demo Shows How Easily Credit Cards Can Be Read Through Clothes And Wallets - Forbes

 

[greenfrog86]

So far my CC's have not been compromised. Did once have an issue where a transaction went through twice and turned out to be their IT glitch. Now when I use my CC I use my pin number and cover the keyboard when entering the pin number. I'm a bit worried with the new paypass/paywave feature. I have read that criminals can copy the chip just by being in close proximity to your CC.



Hacker's Demo Shows How Easily Credit Cards Can Be Read Through Clothes And Wallets - Forbes

Paypass/PayWave really doesn't concern me at all... The card never gets out of my hands and if someone is that desperate that they try to copy it by getting close to me, they will need some luck as these cards all jumble together (with my Myki also) which would mean nobody could get a straight reading through my pocket and wallet.

In terms of fraudulent use of my cards we had one Australian txn on my mother's sup Amex after a trip to Bali which was immediately sorted out without the need for another phone call, but I've had two other instances which are a little more complex...

I only use my 28 Degrees card when overseas and have written about the recent fraud on here somewhere else - essentially I called them to report fraudulent transactions from online websites... They were really poor with their communication to resolve it, however it was sorted out in the end. My card wasn't stopped because I'd told them I was OS at the time (different location to the txns), how considerate of them.

I also have a Euro ICC from Amex which I use rarely, but did use extensively last year when I was traveling through the Euro zone. Amex called me recently to query some transactions and whilst only one had posted they managed to stop a whole bunch of them before they posted.

All sorted out very quickly etc, however annoying that I had to skype them as they are based in the UK.

In both of these examples my card number was obviously compromised somewhere as they were all online (so no skimming) and not at any merchants I'd shopped at before.

 

[here2go]

While not strictly CC related, I've had my Paypal account frozen once due to a fraudulent transaction (I didn't know until Paypal told me). I had to do a stat dec, and the account was unfrozen. Quickly changed passwords, etc. on the account and email. Now have linked an "eBay Only" bank account to Paypal, which I top up for the purpose of eBay alone. The associated credit card is the Visa Debit on the same account (breaks their rules, but I don't care).

 

[Sprucegoose]

Hardly ever.

A number of years ago there were a couple of cab charges that looked suspicious as I used my card for some late night cabs. They could not provide any evidence of the charges and Amex refunded my money.

If only P Slipper had used the same excuse!!


Sent from my iPhone using Aust Freq Fly app

 

[Sprucegoose]

Once....in Malaysia; used Diners card to pay for car rental, shortly after, I found charges at a travel agency in Singapore. Refunded pretty quickly by Diners.

Same except it was sunnies at the airport.


Sent from my iPhone using Aust Freq Fly app

 

[Sprucegoose]

I always let my bank know when I'm travelling and what sort of spend to expect with trans maximum.

They appreciate the advice and I appreciate having a card that works


Sent from my iPhone using Aust Freq Fly app

 

[QF WP]

Likewise, telling your CC company where you are travelling makes for hassle free travel. That and DFAT

 

[simongr]

I can't be bothered to call the CC company before travelling. I have enough to do organising the trip...

I have had one actual and one potential fraud.

Actual - flights booked on my corporate card with not my name and flying Denmark to Lebanon...

Potential - got called about a potential fraud - I couldn't recognise the name or the exact amount until just after they cancelled the card and I called them back - too late to stop the cancellation... Did get a new chip and pin Amex which is great.

 

[dajop]

Had a fraud a few years ago on a debit card that I had never used as a Visa - only local ATMs to access my savings account. Some rail tickets in Spain.

Also earlier this year some fraudulent transactions actually worked to my advantage - as I was on the way to airport (for a work trip) got an email from Citibank querying some suspicious looking transactions on my corporate card - which they were. So I rang and froze the card, which meant I had to spend on my own personal card ... At 2 pts /$ ... versus none with corp card.

 

[Meggsy]

So far touch wood it's never been done to me. I choose not to have any RFID credit cards and never let them out of my sight. It is all too easy these days regardless of what the banks try to assure us of.

An interesting clip

http://youtube.googleapis.com/v/lLAFhTjsQHw%26sns=em