New way of STEALING... This is a new one. People sure stay busy trying to cheat us, don't they? SCENE 1. 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 whopping 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've 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 a 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.. (This scenario actually happened to me at a local restaurant - Falls Terrace - between the waitress and the front desk cashier.) 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. Never let your card out of your sight... check and check again! Scary isn't it... New way of STEALING...
Thank you for posting this Ialandlife. As you say you have to be so careful nowadays as thieves can steal from you without even taking your card. Our bank calls us if a transaction is more than the amount we agreed on that we would spend at one time. The year before last year we paid for our holiday with our credit card and the bank 'phoned us as soon as the transaction went through to verify if we had used the card. There aren't many banks that will do this but I'm so glad ours does. Now we 'phone the bank and tell them when we use our card for a transaction above our 'safe' limit. However it wouldn't stop a thief that used our details for smaller amounts which is scary. If any of these scenarios happen to you please report them to the police as well as your bank as soon as possible.
Randy and I each have had to replace our Debit Cards 3 times...I have never had one reach the expiration date. Some steal the numbers and the security number on the back, not the card, and use it to order on line or in stores where friends work and will put the purchase through without the use of a card. We have a $1 alert notice set up at the bank, any debit card use over a dollar sends us an immediate notice, that also includes purchases we make. We found that many of the theft rings will make a small purchase, usually under $10 to verify that the card is still valid then they will start making larger purchases. So any purchase made with our cards over $1 will ping our cell phone, we have caught a couple of illegal uses of our number quickly that way and can call the bank to dispute it and cancel the card.
In today's cyber age you never can be too cautious and the bad guys are getting more and more creative too.
Sad isn't it. Last year we had our card numbers stolen twice. So now we have a card for bigger purchases and another card that can only be used up to a 1,000 dollars which I use on the internet if I am ordering something. MasterCard notified us twice about charges on our card and each time we had to get a different card. We were not held responsible.
That's a good heads up Islandlife . You have the right idea Sherry,..i did the same with my cards,..one card for small transactions,..though when i know i will be making a larger transaction i transfer cash from another account to it,..by computer.
