Credit Card Fraud - Anyone else?

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Forums › Finance and wealth management › Credit Card Fraud - Anyone else?

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#712943 6-Nov-2012 14:49

Mark: ring the number on the card to talk to them.

They're not all scams - that one part of the sentence is the difference.

If someone rings you, treat it like any other cold call - give them nothing. Take their details and call the number on the card.

Procrastination eventually pays off.

freitasm

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#712944 6-Nov-2012 14:50

Of course not all contacts are scam. But once you are alerted the best course of action is to call the bank through your channels of choice, not the one in the message.

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#712953 6-Nov-2012 14:56

freitasm:
eXDee:
cyril7: Hi, definitely sounds like a scam, we have had ours compromised before and Visa was very engaging and detailed what the website was and all the details relating to how and when.

Cyril

I'd love to know then why kiwibanks fraud department which i contacted on their official 0800 number confirmed the voicemail, referenced it and issued me with two new replacement cards free of charge. Pretty impressive scam if they have managed to slam a banks 0800 number and make their own fake helpdesk, i'd have to hand it to them if they could pull that off.. At no point did i ever give over any of my card details either.

They said the website name they were not told of, or couldn't tell me, for risk of defamation but said to look for a site i've used both cards on.

We're not saying they did it. As you didn't say anything before about you calling back people here thought it would be a nice gesture to perhaps help prevent a scam happening.

Thank you very much.

cyril7: Hi, my reply was posted without seeing your immediate comment before mine (timing in making my reply), so clearly my comment was not useful, but your response was a bit OT.

Cyril

Yeah sorry about that. i didn't read timestamps and so got a bit frustrated since mentioning calling them in that post.

Concern from people about being wary with phishing scams is appreciated. Sorry guys! Stressful morning for me.

I'm just curious if this was a widespread thing - eg if it was a major website i would have thought that multiple people would have been getting calls.

freitasm:
njm: I woke one morning to a text message from my bank saying, urgent call this number and quote this reference. i thought what ever, but called just to see what it was. the guy on the end asked for my reference number which I gave it to him and did ask me any further details. Turned out that my card had been used over night in some strange locations. Since I had only used my card with quickflix for the past few months he reckoned that’s were the hack had happen.

The different banks use different ways to inform there customers of dodgy card activity.

This is a classic phishing message. How do you know the number in the message was the bank number? Did you check on your card or statement to see if the number matched or just blindly trusted the SMS and called the number?

You see, this is paranoid in action. What if you call and instead of giving the ref number they actually asked you for the card number and PIN? Would still give this to them?

Yeah got to be super careful of that. That's why i didnt call back the 04 number that contacted me, i used the 0800 number from the banks website (which matched the 0800 number they told me to call on the voicemail).

BlueShift

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#713007 6-Nov-2012 16:18

So, I'm guessing it would be a good idea for me to call my bank before I head off overseas and let them know to expect a cluster of credit card purchases from various foreign locations. Just so they don't put a stop on the card just as I'm about to pay for my dinner...

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#713011 6-Nov-2012 16:25

I always call my credit card company and let them put a note that I will be using my cards overseas - specially when I'm in Las Vegas or Singapore...

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davidcole

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#713015 6-Nov-2012 16:27

Can't say I've ever done that. But nothing stopping you I guess.

One of my overseas trips was 6 weeks and 9 countries. Didn't have any issues.

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#713020 6-Nov-2012 16:30

Yes I've notified my bank the last few times I've been in the USA and good on them for querying an airline booking transaction in the US when I gave my stranded son my credit card # to book a flight home.

mjb

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#713021 6-Nov-2012 16:35

davidcole: Can't say I've ever done that. But nothing stopping you I guess.

One of my overseas trips was 6 weeks and 9 countries. Didn't have any issues.

Did you buy the airfares with that card?

It seems that the fraud folks at the card companies are pretty clued up to work out what's normal - I suspect they consider things ok if the transactions track geographically with one another. Probably not so if they jump around the planet...

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#713023 6-Nov-2012 16:38

My card got a check after I tried to top-up more than one pay-as-you-talk mobile phone on the same day! Apparently this is a big thing in the UK for fraud.

There was no way around this either - so either top them up one at a time/one per day or go down the supermarket and buy 3 top-up vouchers! Yes I just bought the vouchers with the same credit card and no questions!

Procrastination eventually pays off.

davidcole

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#713024 6-Nov-2012 16:40

Hmm probably. But we also took two smaller credit cards (in debit) for cash withdrawals and they were not pinged either. Of course this was a while back (2005)

1080p

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#713078 6-Nov-2012 18:23

So you used both cards on the same site and the bank won't/can't name them due to fear of a defamation suit. I'm going to guess it was a NZ site or one with a decent NZ presence otherwise I doubt they would care about defamation.

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#713080 6-Nov-2012 18:28

1080p: So you used both cards on the same site and the bank won't/can't name them due to fear of a defamation suit. I'm going to guess it was a NZ site or one with a decent NZ presence otherwise I doubt they would care about defamation.

I would think it would be NZ's privacy laws would prevent that.

freitasm

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#713083 6-Nov-2012 18:47

I doubt it since it's YOUR TRANSACTION. I immediately thought "fear of defamation". If New Zealand laws required breach disclosure it would be all ok, but the bank wouldn't like to see "Bank Blah warned customers that credit cards used on website of Big Retailer aren't safe anymore"... Big Retailer would come back claiming the bank is tarnishing their good reputation.

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#713084 6-Nov-2012 18:48

i have a friend who was rung between 12am - 5am twice to be told that he was buying something in asia and whether he did that or someone was using it ... either way they told him the transactions were declined ... didn't ask for any identifying info

Kyanar

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#713109 6-Nov-2012 19:41

allan: Yes I've notified my bank the last few times I've been in the USA and good on them for querying an airline booking transaction in the US when I gave my stranded son my credit card # to book a flight home.

And they didn't immediately cancel your card? Giving someone else your credit card number to use is a breach of the card's terms and conditions - and definitely voids your zero liability guarantee. You should really get the card changed, son or no since you've given the bank the perfect out to make you responsible if your card number ever gets swiped.

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