pixiepistlz Posted January 19, 2009 CID Share Posted January 19, 2009 (Email) Be sure to read Scene 3 Quite interesting. SCENE 1. This is a new one. People sure stay busy trying to cheat us, don't they? A friend went to the local gym and placed his belongings in the locker. After the workout and a shower, he came out, saw the locker open, and thought to himself, 'Funny, I thought I locked the locker. Hmm, 'He dressed and just flipped the wallet to make sure all was in order. Everything looked okay - all cards were in place. A few weeks later his credit card bill came - a whooping bill of $14,000! He called the credit card company and started yelling at them, saying that he did not make the transactions. Customer care personnel verified that there was no Mistake in the system and asked if his card had been stolen. 'No,' he said, but then took out his wallet, pulled out the credit card, and yep - you guessed it - a switch had been made. An expired similar credit card from the same bank was in the wallet. The thief broke into his locker at the gym and switched cards. Verdict: The credit card issuer said since he did not report the card missing earlier, he would have to pay the amount owed to them. How much did he have to pay for items he did not buy? $9,000! Why were there no calls made to verify the amount swiped? Small amounts rarely trigger a 'warning bell' with some credit card companies. It just so happens that all the small amounts added up to big one! SCENE 2. A man at a local restaurant paid for his meal with his credit card. The bill for the meal came, he signed it,and the waitress folded the receipt and passed the credit card along. Usually, he would just take it and place it in his wallet or pocket. Funny enough, though, he actually took a look at the card and, lo and behold, it was the expired card of another person. He called the waitress and she looked perplexed. She took it back, apologized, and hurried back to the counter under the watchful eye of the man. All the waitress did while walking to the counter was wave the wrong expired card to the counter cashier, and the counter cashier immediately looked down and took out the real card. No exchange of words --- nothing! She took it and came back to the man with an apology. Verdict: Make sure the credit cards in your wallet are yours. Check the name on the card every time you sign for something and/or the card is taken away for even a short period of time. Many people just take back the credit card without even looking at it, 'assuming' that it has to be theirs. FOR YOUR OWN SAKE, DEVELOP THE HABIT OF CHECKING YOUR CREDIT CARD EACH TIME IT IS RETURNED TO YOU AFTER A TRANSACTION! SCENE 3: Yesterday I went into a pizza restaurant to pick up an order that I had called in. I paid by using my Visa Check Card which, of course, is linked directly to my checking account. The young man behind the counter took my card, swiped it, then laid it on the counter as he waited for the approval, which is pretty standard procedure. While he waited, he picked up his cell phone and started dialing. I noticed the phone because it is the same model I have, but nothing seemed out of the ordinary. Then I heard a click that sounded like my phone sounds when I take a picture. He then gave me back my card but kept the phone in his hand as if he was still pressing buttons. Meanwhile, I'm thinking: I wonder what he is taking a picture of, oblivious to what was really going on. It then dawned on me: the only thing there was my credit card, so now I'm paying close attention to what he is doing. He set his phone on the counter, leaving it open. About five seconds later, I heard the chime that tells you that the picture has been saved. Now I'm standing there struggling with the fact that this boy just took a picture of my credit card. Yes, he played it off well, because had we not had the same kind of phone, I probably would never have known what happened. Needless to say, I immediately canceled that card as I was walking out of the pizza parlor. All I am saying is, be aware of your surroundings at all times. Whenever you are using your credit card take caution and don't be careless. Notice who is standing near you and what they are doing when you use your card. Be aware of phones, because many have a camera phone these days. When you are in a restaurant and the waiter/waitress brings your card and receipt for you to sign, make sure you scratch the number off. Some restaurants are using only the last four digits, but a lot of them are still putting the whole thing on there. Quote Link to comment Share on other sites More sharing options...
justinlay Posted January 19, 2009 CID Share Posted January 19, 2009 Last week i went out of town for my father-in-laws heart surgery, when i got down there my banks mastercard kept declining. Im like wtf there's money in the bank then told her to do it again and still declining. So had no other way paying for hotel or anything luckly i had 50 buck on me to pay for the meal. I called the bank the next morning and ask them why my card kept declining. The told me it was deactivated and a new card is on its way. They said there was a security breach on the u.s based merchant's computer server, and 3000 cards were effected. Luck me my card was one of them. well atleast my wife had a wellsfargo account so pretty much had a good friend take all my funds out of my account and put them in her account. :tickedoff: I hope all that make sence Quote Link to comment Share on other sites More sharing options...
pixiepistlz Posted January 19, 2009 Author CID Share Posted January 19, 2009 Hope all is well now. I am glad I have had no trouble with my bank card. <prays> Quote Link to comment Share on other sites More sharing options...
tommie gorman Posted January 19, 2009 CID Share Posted January 19, 2009 To be honest anytime the card leaves you it is easy enough written down by the employee. And how many times is one asked the number in a phone transaction? Its just difficult. And why I try to use checks. But they are for people, not business's. Just my opinion of course. You get tires. You go to walmart. Everytime you use it or take it out is a chance you get taken. Quote Link to comment Share on other sites More sharing options...
Shug7272 Posted January 19, 2009 CID Share Posted January 19, 2009 Its sad to think how smart some criminals are. And they waste it on crime. Quote Link to comment Share on other sites More sharing options...
tdawnaz Posted January 19, 2009 CID Share Posted January 19, 2009 my daughter awhile back...went to use her card and it was repeatedly declined...he called the bank and found out that someone had used her card in las vegas and attempted to use it at an atm to the tune of like $800 total..the atm transaction was declined and this is where it was caugt and her card cancelled. all the purchasesup to this point were reletively small but the atm request was for $500 and $700 which she never did...by this time tho they had racked up the $800 (which was all reversed because she was not in las vegas...and still had her card in her possesion) so how did this happen?? they speculate that she handed her card to a merchant which they swiped out of her line of view and recorded all her numbers (by whatever means they used) and watched her type in her pin...then they took that info and made a counterfit card. so yeh anytime u let your card out of your site...you're at risk... now who of us is going to follow the waitress to their pay station to watch their every move...my solution...cash whenever possible...and nobody is going to swipe my card under the counter...i'll jut go somewhere that i can do it myself... Quote Link to comment Share on other sites More sharing options...
tommie gorman Posted January 20, 2009 CID Share Posted January 20, 2009 Its sad to think how smart some criminals are. And they waste it on crime. Yep that is the ignorant part of crime. They work harder trying to not work. Quote Link to comment Share on other sites More sharing options...
zalternate Posted January 20, 2009 CID Share Posted January 20, 2009 In Canada we now have the CHIP credit cards. Meaning that the metal chip on the card has to make contact with the pay terminal and you enter a code like at the ATM to do the transaction. But for the time being in the upgrade, there is still the magnetic stripe for swiping the card. But for restaurants, there is coming a secure, encrypted, mobile terminal for roaming use. http://www.rbcroyalbank.com/RBC:SWs09471A8YAW3AUEuM/cards/chip/index.html Way more secure than the easily hackable RFID. Since an RFID is always transmitting itself. But the terminals are set at low receive power, so it does not read the next guy in lines card. Easy to 'break the RFID chip as well. For security purposes obviously. All you need is a bright light to locate the RFID chip(dark spot) and then a small hammer. Only crazies put the card in the microwave and melt a hole in it. Quote Link to comment Share on other sites More sharing options...
coknuck Posted January 20, 2009 CID Share Posted January 20, 2009 Clever Ploy This lady has changed her habit of how she lists her names on her mobile phone after her handbag was stolen. Her handbag, which contained her cell phone, credit card, wallet... etc...was stolen.. 20 minutes later when she called her hubby, from a pay phone telling him what had happened, hubby says 'I received your text asking about our Pin number and I replied a little while ago.' When they rushed down to the bank, the bank staff told them all the money was already withdrawn. The thief had actually used the stolen cell phone to text 'hubby' in the contact list and got hold of the pin number. Within 20 minutes he had withdrawn all the money from their bank account. Moral of the lesson: Do not disclose the relationship between you and the people in your contact list. Avoid using names like Home, Honey, Hubby, Sweetheart, Dad , Mom , etc..... And very importantly, when sensitive info is being asked through texts, CONFIRM by calling back!! Also, when you're being text by friends or family to meet them somewhere, be sure to call back to confirm that the message came from them. If you don't reach them, be very careful about going places to meet 'family and friends' who text you. Along with that if you have an entry called 'Home' with your actual home phone number it's not too hard to do a reverse lookup on the number to find the address. Now the robber has your home number, keys, AND address. PLEASE PASS THIS ON! I never thought about THAT! Quote Link to comment Share on other sites More sharing options...
tommie gorman Posted January 20, 2009 CID Share Posted January 20, 2009 I never text, so if you get one from me do not believe it. Honest. I figure it takes less time to talk, than to text, and text is extra on my plan anyway. Quote Link to comment Share on other sites More sharing options...
tdawnaz Posted January 20, 2009 CID Share Posted January 20, 2009 also on that note...i know that i've mentioned this before...but you should have an entry in your cell phone called ICE...it stands for in case of emergency...most first responders (paramedics...er staff...firefighters) will look for that entry and call it if you can't or turn it over to er staff so that it can be called... not sure what the criteria is for them to make that call...but it was in the local paper here a few years ago, otherwise with the new hipaa laws they can't call anyone for you or give out info if someone is calling looking for you, if you aren't awake to tell them it's okay to. in my cell under that entry is serveral people listed Quote Link to comment Share on other sites More sharing options...
Shug7272 Posted January 21, 2009 CID Share Posted January 21, 2009 Yep that is the ignorant part of crime. They work harder trying to not work. :haha: :uglystupid2: Yup. Quote Link to comment Share on other sites More sharing options...
Miss. Priss Posted January 21, 2009 CID Share Posted January 21, 2009 I know this is a little off from credit cards but the hubby and i had our check book stolen. We went to a car dealership to trade our car on a new vehicle. You know how they test drive before they take the trade in. Well we had some checks in the glove box, didint think to take them out before they test drove it. So who ever test drop it stole our checks out and started writing our checks in a different city. Luckily we notified the bank before the checks cleared they had written. The bank had filed reports and told us to file reports with the police where our bank was located and also in the city where the checks were stolen from. And to tell you the police could give a damn to help us out. We had all the papers with proof and everything, we came prepared. And needless to say they said there is nothing that we could do since they had written checks in a different city from where they were stolen. Talking about being a bunch of bull. Its sad that even police dont really seem to give a crap about things that happen this day and age. Quote Link to comment Share on other sites More sharing options...
Shug7272 Posted January 21, 2009 CID Share Posted January 21, 2009 I know this is a little off from credit cards but the hubby and i had our check book stolen. We went to a car dealership to trade our car on a new vehicle. You know how they test drive before they take the trade in. Well we had some checks in the glove box, didint think to take them out before they test drove it. So who ever test drop it stole our checks out and started writing our checks in a different city. Luckily we notified the bank before the checks cleared they had written. The bank had filed reports and told us to file reports with the police where our bank was located and also in the city where the checks were stolen from. And to tell you the police could give a damn to help us out. We had all the papers with proof and everything, we came prepared. And needless to say they said there is nothing that we could do since they had written checks in a different city from where they were stolen. Talking about being a bunch of bull. Its sad that even police dont really seem to give a crap about things that happen this day and age. Yea we didnt lose any money over it but I think the bank lost about 18k the last I heard. Like the wife here said, cops couldnt have cared less. Every month there were more and more checks written. Hell they bought a car with one of the checks, how the hell they did that Ill never know. Quote Link to comment Share on other sites More sharing options...
tommie gorman Posted January 21, 2009 CID Share Posted January 21, 2009 I believe anyplace should check before turning over a car with a check. Stupid on their part. Quote Link to comment Share on other sites More sharing options...
Shug7272 Posted January 21, 2009 CID Share Posted January 21, 2009 I believe anyplace should check before turning over a car with a check. Stupid on their part. It may have been from a private seller. I cant remember. Quote Link to comment Share on other sites More sharing options...
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