Author Topic: Credit Card Fraud - Why You Might Want A Separate Credit Card for Online Purchases (Read 2549 times)

keyboardlover · « **on:** Wed, 13 April 2011, 13:19:54 »

Sorry to hear that. Notice how they started small at first, just to test the waters.

strum4h · « **Reply #1 on:** Wed, 13 April 2011, 13:25:11 »

I am suprised at some of their countermeasures though. I made a purchase over 1000$ and in seconds I got a call to confirm it.

muchadoaboutnothing · « **Reply #2 on:** Thu, 14 April 2011, 00:56:21 »

Credit cards are zero liability anyways, even if you notice the fraudulent charges months after they occur. Debit cards aren't so forgiving.

I use one Visa, one Amex, one Discover, and one Mastercard online for a variety of reasons (Amex on electronics for bonus year of warranty for free, Discover for cashback on many sites, up to 20% on accessories from Dell sometimes - you can get 20% on a new video game at retail price - etc.), plus the cardholder exclusive discounts/usage scenarios (no, we don't take Amex here, etc.).

Never lost a credit card number online to a scammer

IRS did lose a laptop with my tax documents on it. Got a year of Equifax credit monitoring. That was it. No new SSN, not even monitoring from the three bureaus- one year of monitoring. Yipee! Oh, and an apology, but no explanation as to the measures taken to ensure it doesn't happen again rather than your usual PR babble.

Peter · « **Reply #3 on:** Thu, 14 April 2011, 02:28:26 »

Quote from: muchadoaboutnothing;330411

IRS did lose a laptop with my tax documents on it. Got a year of Equifax credit monitoring. That was it. No new SSN, not even monitoring from the three bureaus- one year of monitoring. Yipee! Oh, and an apology, but no explanation as to the measures taken to ensure it doesn't happen again rather than your usual PR babble.

Hopefully that laptop was encrypted .. Since the Government knows lots of things about you that ain't nobody else's business it should be mandatory
for them to encrypt their storage-media ..

RiGS · « **Reply #4 on:** Thu, 14 April 2011, 06:27:44 »

Credit card fraud is only useful to buy ebooks.

keyboardlover · « **Reply #5 on:** Thu, 14 April 2011, 06:30:54 »

Funny to think the hardened criminal who stole Ripster's CC# may very well be enjoying some delightful James Joyce or Robert Frost at this very moment...

RiGS · « **Reply #6 on:** Thu, 14 April 2011, 06:52:16 »

There are a bunch of expensive online marketing/SEO stuff on the internet.

keyboardlover · « **Reply #7 on:** Thu, 14 April 2011, 06:56:38 »

Gartner reports ARE pretty expensive...

RiGS · « **Reply #8 on:** Thu, 14 April 2011, 07:06:31 »

They can easily cancel the subscription. However if you buy a book in pdf format, or a serial/activation number for a software, they can't take it away.

muchadoaboutnothing · « **Reply #9 on:** Thu, 14 April 2011, 08:39:03 »

Quote from: RiGS;330492

They can easily cancel the subscription. However if you buy a book in pdf format, or a serial/activation number for a software, they can't take it away.

Not unless you decrypt it first. PDFs can have ADEPT DRM on them.

It's been cracked, but like older iTunes music's DRM, a lot of people don't know how to do it.

stupefaction · « **Reply #10 on:** Thu, 14 April 2011, 11:51:15 »

You could also buy music downloads with a stolen credit card, couldn't you? Obviously not the Top 40 stuff that you can pirate within minutes, but obscure albums and classical recordings that don't make it onto torrent sites. So the only people who can benefit from stolen credit cards are voracious readers and music aficionados.

muchadoaboutnothing · « **Reply #11 on:** Thu, 14 April 2011, 12:13:50 »

There's a variety of ways in which a stolen card can be useful. You can charge the item to a person, ship it to some random house convenient enough to drive to for you, and pick up an item off of a stranger's doorstep. Or, if you're close, you can get deliveries sent to the victim. Works in suburbia when the victim has a job. Doesn't leave a lot of a trail to get the thief back.

RiGS · « **Reply #12 on:** Thu, 14 April 2011, 12:23:43 »

Quote from: muchadoaboutnothing;330675

There's a variety of ways in which a stolen card can be useful. You can charge the item to a person, ship it to some random house convenient enough to drive to for you, and pick up an item off of a stranger's doorstep. Or, if you're close, you can get deliveries sent to the victim. Works in suburbia when the victim has a job. Doesn't leave a lot of a trail to get the thief back.

You can even buy airplane tickets, and fraud the travel company.
You can buy gold in WoW.

phillip · « **Reply #13 on:** Thu, 14 April 2011, 12:42:11 »

I had my debit card cloned once and used somewhere on the east coast a couple years ago. My bank refunded all the charges and issued a new card of course. Having a separate credit card for online purchases is a good idea though. I've read that some banks issue temporary credit card numbers for things like that as well.

ricercar · « **Reply #14 on:** Thu, 14 April 2011, 18:01:33 »

Someone bought $26 worth of porn on my credit card back in 2001. The porn company caught the fraud before my bank--or i--caught it, and refunded the money instantly.

Total fool. Who pays for porn, anyway?

Voixdelion · « **Reply #15 on:** Fri, 15 April 2011, 06:52:56 »

I fear the theft of my information very little. I USED to have good credit back when I was employed about 8 years ago - since then, not so much. I need to put a deposit down just to get utilities. I currently cannot find my debit card or my ID at the moment, but since I haven't gone anywhere since the X-factor auditions (made the first cut, but not the second... too bad for Simon, no chance to exploit my tremendous talent for millions - I'll just have to do it myself) and I'm pretty sure I had them at one point after that, I'm not overly concerned. Even if I lost em somewhere, the debit card account is empty and will not pay out anything that isn't funded (no overdraft and no checks) so I'm gonna look for another day or so in my car and under the furniture and in the laundry before I have to have everything reissued again. And as far as ID theft - HA! Good luck to anyone who attempts to get credit in MY name... And I actually have a Paypal Debit Card for online stuff, which I don't fund unless I know I have to use it, so even if someone snags that they're just gonna get a bunch of "DENIED" if they try and use it. At least being broke is pretty good insurance against being robbed. Gotta look at the bright side, you know?

BUT I did get a message from CHASE bank regarding the fact that somehow they've managed to leak our email address to criminals or advertisers or something like that. At least they let us know.

And 26 bucks for porn is way too high. 2 bucks, maybe...

keyboardlover · « **Reply #16 on:** Fri, 15 April 2011, 07:02:37 »

Yea, seriously. Hell I got you to show yourself half nude for free!

Voixdelion · « **Reply #17 on:** Fri, 15 April 2011, 09:50:57 »

Yeah, but if you want pics of me getting down with the KEYBOARDS, THAT'LL cost ya!! =D

keyboardlover · « **Reply #18 on:** Fri, 15 April 2011, 09:52:51 »

**checks bank account**

RiGS · « **Reply #19 on:** Fri, 15 April 2011, 10:01:50 »

If you give her one of your custom keyboards, I'm pretty sure that she will hang out with you.

zaerst · « **Reply #20 on:** Fri, 15 April 2011, 12:46:13 »

I get fraud calls sometimes. None have been real though, just me binge spending on keyboards and stuff online.

RiGS · « **Reply #21 on:** Fri, 15 April 2011, 13:05:34 »

If you buy one of those IBM spacesavers on Ebay, it will be a real fraud.

ricercar · « **Reply #22 on:** Fri, 15 April 2011, 16:48:31 »

Quote from: ripster;331509

I only buy IBM Model M Space Saving keyboards.

(my emphasis)

He only buys them; this means he doesn't type on them or use them as sexual toys.

Voixdelion · « **Reply #23 on:** Fri, 15 April 2011, 16:49:13 »

Actually my mom got hit with something similar via a brick and mortar store purchase at Home Depot which used her CC to secure a water heater order when she called to CANCEL it - She had gotten a call from the company either that afternoon or the next day to check a $1000 purchase of soccer tix from ticketmaster. She remembered afterwards that the girl on the phone from Depot had asked for the security code on the back and all her info. I told her that shouldn't have been necessary even to bring up the order info - which probably could have been done with her phone number or name and address or just part of the CC number for verification since the security code shouldn't even have been stored info on the order in the first place to check against. Made a complaint to the manager at the Depot afterwards and I told her also to do so with their corporate office since the manager could well have been in on it.

heil · « **Reply #24 on:** Sat, 16 April 2011, 10:45:56 »

Quote from: ripster;330069

So I get a call from my friendly Chase bank VISA issuer this morning. Nice man with a nice Indian/British accent.

Three suspicious charges this very morning
- 3 cents
- $14.42
- $486

None of which I made.

They are overnighting me a new card/new number. Luckily I have a Mastercard for local purchases.

Damn InterToobs! They Just Not SAFE!

Huh!!!!

I got charged for $1048.96 on April Fools Day

.

But after giving my bank a call I got a refund by the end of the week.

Voixdelion · « **Reply #25 on:** Sun, 17 April 2011, 19:19:09 »

Little on the thin side, give the gal a steak... Nice gams though - and GREAT shoes.

keyboardlover · « **Reply #26 on:** Sun, 17 April 2011, 20:07:51 »

Agreed...too thin for my taste.

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Author Topic: Credit Card Fraud - Why You Might Want A Separate Credit Card for Online Purchases (Read 2549 times)