WHO Poll
Q:



Hammer and Pickle 11:19 Sat Dec 16
Credit Card Fraud
First thing I knew was a routine credit card balance sms - only it was maxed out to a tune of around 375 quid.

Contacted the Citibank customer service line immediately. They claimed they could see no transactions in the last 24 hours.

Didn't like that so went round the branch in the afternoon. Bird on the desk can't log into my credit card history. She claims the sms shows a credit balance so I ask her to call customer services from the bank. This is when I finally get a trace to the attempted transfer - a TM Resale*Event in USD at around 6 a.m in the morning.

The Citibank have of course now blocked it and I'll eventually have the money back.

Wife has just now received notification of a blocked attempted internet transfer from her Citibank credit card.

Careful out there!

Replies - Newest Posts First (Show In Chronological Order)

Mike Oxsaw 8:52 Sat Dec 16
Re: Credit Card Fraud
Get yourself a "front loader" card for on-line use. Just keep a small(ish) amount on there and use that for all on-line transactions. Load it once a month, or just before you want to make a purchase - and DON'T, under any circumstances set up and automatic reload from your bank account, you LAZY DUMBFUCK.

At least that way, if the card is compromised, you only lose/have to chase down a limited amount then simply get another card and carry on.

Plus it helps stop under the stairs/sink getting rammed full of pissed-up impulse buys.

What? What's that? Too much effort, you say? THEY should take care of all that, you say?

Well FUCK YOU, I say. I hope you get fucking RINSED.

Westside 7:46 Sat Dec 16
Re: Credit Card Fraud
Are you any safer if you use PayPal?

No.

Received an email from an online store, confirming a purchase (several hundred quid) I hadn't made using Paypal. Contacted Paypal immediately to say it was fraudueent. Paypal still took the money from my bank account and had to wait over a month to get it back.

At least with credit cards, once you report a fraud, you don't have to pay them for the fraudulent transactions (in my experience).

SnarestoneIron 6:33 Sat Dec 16
Re: Credit Card Fraud
Hammer and Pickle 1:26 Sat Dec 16

You’re wrong, maxed out means you’ve reached your credit limit, anybody knows that!

SnarestoneIron 6:31 Sat Dec 16
Re: Credit Card Fraud
Westham67 2:02 Sat Dec 16

I thought the same, but not the case. I went over the other week, got charged £12. Had a busy month with work expenses and didn’t realise how close I was! Not all transactions are checked for availability I was told.

Nurse Ratched 5:33 Sat Dec 16
Re: Credit Card Fraud
Bloody good effort that, Mike.

Mike Oxsaw 5:32 Sat Dec 16
Re: Credit Card Fraud
Sounds like somebody's using your credit the same way the Poles use the UK's.

Far Cough 2:17 Sat Dec 16
Re: Credit Card Fraud
"The point of the thread is to react quickly if you see any strange activity on your account and be ready to have to tell the bank what to do until its cleared up to your satisfaction. "



No fucking shit, Sherlock

Coffee 2:13 Sat Dec 16
Re: Credit Card Fraud
I had something similar a couple of years ago. Went to withdraw money from an ATM, but it kept getting refused. Checked my account only and found I was £3k overdrawn, which is way beyond my overdraft limit. All sorts of payments made - including £2k to Centreparks and £150 to Dominos Pizza.

Called the bank who got me to fill out a statement that I had not made those payments. They refunded all the false transaction within two days.

Apparently, my card had been copied while making another payment. I strongly suspect it was at a petrol station, but I never found out and the bank won't tell you.

Johnson 2:10 Sat Dec 16
Re: Credit Card Fraud
Not a soul would have thought to do that Thickle so well done you.

Hammer and Pickle 2:08 Sat Dec 16
Re: Credit Card Fraud
The attempted transfer was accepted by the Citibank system and went through the credit limit by 375 pounds, hence my alarm. The money won’t reach the perps’ account as I had them block the transfer before the accounting process was complete.

The point of the thread is to react quickly if you see any strange activity on your account and be ready to have to tell the bank what to do until it’s cleared up to your satisfaction.

Westham67 2:02 Sat Dec 16
Re: Credit Card Fraud
I don't think I've maxed out my card come close a few times. I assumed that if you tried to do a transaction beyond your CC limit the transaction would not go through

Spandex Sidney 1:59 Sat Dec 16
Re: Credit Card Fraud
Is the karate instructor driving around in a new motor? Maybe he has withdrawn ding dong privileges for Mrs Pickle unless she sweetened the deal with your money?

Johnson 1:54 Sat Dec 16
Re: Credit Card Fraud
Nope

Hammer and Pickle 1:45 Sat Dec 16
Re: Credit Card Fraud
You clearly have confused a credit card with a debit card with a 350 pound overdraft facility, Johnson.

Johnson 1:32 Sat Dec 16
Re: Credit Card Fraud
Yes

Coffee 1:28 Sat Dec 16
EU Referendum 23rd June 2016 declares Cameron

Hammer and Pickle 1:27 Sat Dec 16
Re: Credit Card Fraud
Do you know how credit cards work Johnson?

Hammer and Pickle 1:26 Sat Dec 16
Re: Credit Card Fraud
In my post it means what it means.

Deal with it.

Johnson 1:23 Sat Dec 16
Re: Credit Card Fraud
No maxed out means to hit the limit not go over.

As usual it is YOU that is wrong.

So a pauper as well as an idiot.

Hammer and Pickle 1:22 Sat Dec 16
Re: Credit Card Fraud
For the hard-of-reading on here (Willtell), "maxed-out to the tune of..." is "over limit by..."

Dear oh dear - how do you get through the day.

lowermarshhammer 1:21 Sat Dec 16
Re: Credit Card Fraud
Met an American bloke who had been a victim of identity theft.
Credit cards, mortgages, loans, the culprit had effectively stolen the long term financial security of this man's family

Perpetrator got a 20 year sentence.

Fair enough if you ask me.

Punishment needs to be more severe, won't be much of a deterrent but would make victim feel better.

Simple credit card fraud? 12 years. Shit prison, no time off for good behaviour or whatever the fuck they call that nowadays.

Page 1 - Next




Copyright 2006 WHO.NET | Powered by: