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Topic # 123199 28-Jun-2013 08:34
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Around 11pm a $1 authorisation came from RN* Real seek co or Seek real co, can't remember which now, but something that I've never heard of either way.

The fraud team cancelled my card, but the annoying thing is they didn't call me to let me know so I've had to come home due to having no cash on me to pay for parking, doh. Still, I can't complain about their stringent measures and am glad action was taken immediately.

Wondering if a website I use has been compromised as I'd like to think I'm careful with where I use my credit card details, usually opting for paypal or google wallet instead.

Just wondering if anyone else has had their CC cancelled due to fraudulent activity last night?

What have other people done when their cards have been compromised, any luck in finding how it happened?

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  Reply # 846583 28-Jun-2013 09:42
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Ok, got some more information.

The details were help.real.co which leads me to believe it's help.real.com or helpreal.com, a website I've never visited before today

Google search reveals this http://www.scambook.com/company/view/123397/HelpRealcom or http://www.scambook.com/company/view/122878/HelpRealcom with other people getting $1 authorization charges.

Now to go through each website to find which one I may have stored my cc details on :|

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  Reply # 846738 28-Jun-2013 13:43
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Normally with credit card fraud a small charge is made first to make sure the card is active, a few days later another small charge (to see if the card is still active after the first one) then you get hit with the big ones.

They use to charges around $1 - $10 however these days they tend to be "holds" on funds for the first test as people don't notice these and the money is released after a few days, then you get hit.

They also test by using pre-pay mobile top ups



 
 
 
 




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  Reply # 846741 28-Jun-2013 13:46
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Yeah, looks like what was going to happen. Just glad they have systems in place to catch it immediately

The annoying part is not knowing how my card got compromised when I like to think I'm careful how and where I use it

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  Reply # 846754 28-Jun-2013 14:19
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Could be from anywhere, even passing it over the counter, that is why the credit card companies cover you for "unauthorised" transactions and that is why banks spend so much on fraud protection etc.



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  Reply # 846768 28-Jun-2013 15:01
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Yeah agreed, I'm contracting at a bank currently and sit next to the fraud team.

It's interesting listening to some of the conversations

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  Reply # 846816 28-Jun-2013 16:41
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JamesL: Yeah, looks like what was going to happen. Just glad they have systems in place to catch it immediately

The annoying part is not knowing how my card got compromised when I like to think I'm careful how and where I use it


While it's hard to really judge figures the reality is a lot of fraud still probably occurs from people having physical access to the card, such as handing it over to be inserted into the terminal. I really hate places that don't have pinpads with no reader in them.



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  Reply # 846817 28-Jun-2013 16:43
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I'm going to stick to using my eftpos card for transactions now rather than using my visa debit card, where possible, although will still be susceptible to skimming

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  Reply # 847429 30-Jun-2013 16:54
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Come on, they stopped it, credit cards are safe.

Could have been skimmed, but then I'd also being checking for Malware on my PCs too....

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  Reply # 847464 30-Jun-2013 18:09
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Im very disappointed with my asb visa debit card. I basically got it since they refuse to issue spare eftpos cards, and I have the debit functionality going to an account i never keep money in for very long.

Yet it has gone into overdraft with the hulu charge, which I specifically left not enough money in it so that it wouldnt go thru. Im just going to get rid of it I think.




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  Reply # 847479 30-Jun-2013 19:01
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pctek: Come on, they stopped it, credit cards are safe.

Could have been skimmed, but then I'd also being checking for Malware on my PCs too....


I never have and never will get malware but thanks none the less.

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  Reply # 847504 30-Jun-2013 20:59
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Personally, I keep a pre-paid credit card that isn't linked to my accounts for website purchases. About a $50 float on it, and I transfer money on to it before I use it to purchase something. So, if the number is compromised, the most I should lose is $50. I'm very cautious about using my "real" cc, especially online.

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  Reply # 847529 30-Jun-2013 22:27
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I don't care about the credit card being compromised since I'm not liable. Loaded card is a pain to do charge backs on. I'm just annoyed that hulu charged it despite $0 available, pushing it into OD which will cost me.




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  Reply # 847532 30-Jun-2013 22:36
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JamesL:
pctek: Come on, they stopped it, credit cards are safe.

Could have been skimmed, but then I'd also being checking for Malware on my PCs too....


I never have and never will get malware but thanks none the less.


Never will? Really? Unless you are under a rock with a corded telephone only to communicate with the outside world I would hesitate to call any system malware proof....

I had my cards cancelled a while ago too. The bank wouldn't tell me anything about who compromised them. I agree. It is frustrating not knowing where the breach happened. Maybe they just don't know.

Cheers, Matt.




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  Reply # 847533 30-Jun-2013 22:37
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Have been using the same CC online since 2005, make lots of purchases from many vendors and have never been compromised. I'm putting this down to dumb luck... That card only has a $500 limit and I keep an eye on it. Comfortable that bank guarantee will cover it if it ever occurs. Would be a pain though, know all the numbres off by heart :-/

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  Reply # 847534 30-Jun-2013 22:41
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The ASB fraud team were awesome when mine was used is eastern Europe. They called me at 7am to tell me of the odd activity, and to say they would be sending me out a new card and cancelling the old.

My only gripe with my ASB credit card is that although we have two cards linked to a joint C=credit card account, the truerewards are accumulated separately and don't get combined!






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