questionshow many times have you had your debit/credit…

vote-for11vote-against
vote-for7vote-against

Twice, August 2010 and May 2011. AmEx card in both instances, and AmEx caught the transactions and notified me within an hour of each episode of fraud. Since I do nearly all my shopping online, this is a fairly good security record.

Most debit/credit card compromises are not the result of theft by a merchant you use but are instead part of a very large operation. For a fascinating look at the depth and breadth of data theft, the NYTimes did an excellent story on the Heartland Payment Systems breach of 2003: http://www.nytimes.com/2010/11/14/magazine/14Hacker-t.html?scp=3&sq=heartland%20payment%20systems&st=cse

vote-for5vote-against

Zero, as far as I know. If anyone HAS stolen my card numbers, they haven't used them.

vote-for2vote-against

i haven't had it happen in years, then all of a sudden it happened 2 months ago. i think i dropped my card because i couldn't find it when i got an email alert saying i needed to pay my statement. i thought, that's weird, my balance has been 0 on this card for a year and i haven't gotten this email in about a year.
i logged in and someone had charged about $15 to some gaming site. luckily it was just that. i called the company and they sent me some form.

i've had it happen years ago, someone charged about $70 at a gas station in gas and snacks. again i think i dropped my card somewhere, different card.
around that same time my ex had issues with a joint card we had where the person was buying up expensive electronics, made a monthly payment, then kept going and went over the limit. we got a call when it went over the limit. otherwise, it was a brand new card we didn't even have online access to yet.

have you thought about using virtual credit card numbers? most cards offer those

vote-for2vote-against

I haven't had anything stolen, but just recently my mom discovered that someone had purchased items in California using a Walgreens gift card my sister gave her. My mom was in Florida at the time of the purchase and had the card. Mom's still trying to figure out how that information was stolen, particularly since the stuff covering the security password hadn't been scratched off.

vote-for2vote-against

My Paypal got hacked and I started getting charged through my linked debit card. $300 overnight while I was on vacation. Calling Bank of America was really professional and they reversed all charges. Calling Paypal I talked to about ten different people, EVERY SINGLE ONE tried to sell me additional security for my account. Yes, they tried to sell me stuff when I was reporting fraud.

They ended up buying a bunch of PDF files, donated to their personal charity, and bought apps for an Android, all of which were in spanish. I then got yelled at by one of the sellers and they threatened to sue me. I let him know that I'd like to see him try.

Got all of my money back thankfully. Never using Paypal again. Bank of America was surprisingly nice, which is why I no longer call it Bank of Satan.

vote-for1vote-against

Just a couple weeks ago, I had someone charge exactly $2000 to my debit card from 1-800-FLOWERS. I did get my money back, but I have no idea how they got my info. The charges originated in Egypt.

vote-for2vote-against

Twice in last year. Once a local restaurant got hacked and had about $100 in charges. Bank of America handled it perfectly and gave me a temp card right at a back.
Another I found out when my card was declined...called BOA, and found out that my card number was in a group that had gotten hacked (they would not tell me where) and they canceled the card. PO'ed they did not call, mail or email me...but it all worked out in the long run.
Use PayPal card a lot on trips. Be dang they call me about everyday to check on purchases and make sure no fraud has taken place. I run about 150K thru PayPal a year so I guess they watch me close...LOL

vote-for3vote-against

Debit card once, because it was stolen from my wallet. Yet they left all my important stuff in there. They took a debit card that had .40 in the account and one dollar in cash. The card was canceled as soon as I noticed that my stuff had been swiped.

Years ago though, I had some crazy batty open a bank account in my name thousands of miles away. It took ten years to get back to me and when I called the bank asking about it, they turned me over to their fraud department and had to get "my records" from the vault in storage. Come to find out it was thousands of dollars of fraudulent checks. Long story short, I faxed them a notarized signature, showing that is how I had signed for my entire adult life, and I got a call back about ten minutes after the fax. Sure enough. The head of the fraud department said it wasn't even a close match. They apologized. Closed all pending cases against me, then attempted to go after the original woman. I've never heard back from them.

vote-for3vote-against

Both times we traveled to Mexico (Cancun and Cabo) our card numbers were stolen. The first time was a debit card and Bank of America would not return the money to our checking account until they had completed their investigation, took several weeks. The next time we traveled we used a credit card but credit cards are more protected so that wasn't as much of a hassle.

vote-for3vote-against

@msklzannie: I used to work for the Credit Services company for Home Depot -- we had some customers call in complaining about the same sort of thing. Come to find out, people would remove the security foil from the back of gift cards and take a picture using their phone. THEN they would put it back on the shelf. They would then just wait a few days before ordering online using the information. It became a serious problem at a particular store, and they had to start keeping the gift cards behind the register.

Long story short - if you plan on buying a gift card ALWAYS make sure it still has the security foil on the back or you could get ripped off.

vote-for3vote-against

@xarous: Not entirely related, but I had a license plate removed from my car and it was used in a robbery over 1200 miles away.

I had wrecked my car and had it towed to a local shop for repair. The technician called me the next day and said the frame was too badly warped and they were hauling it to the junk yard, and that my stuff was in a box at the shop. I never thought another thing about it after picking up my stuff. About a year later, a police officer from Michigan called me on the phone and asked me if I had been in Michigan lately. I thought it was a joke when he told me what had happened. The local police department did some follow up to check on my whereabouts at the time of the robbery and that's the last I ever heard of it.

vote-for3vote-against

@capguncowboy: Good grief! Don't you wonder how people think up these ideas? I must have been raised poorly; my brain doesn't even in terms of "how can I game the system?"

Thanks for the info and the heads-up on purchasing gift cards.

vote-for3vote-against

Regarding credit/debit cards, security alerts, and traveling away from home: if you're planning to use your card while traveling (especially if you'll be out of the US), call your bank or credit union to ask if they can place a travel alert on your card so the unusual purchases won't trigger a security block on it. Trying to pay for a lovely dinner in Rome only to have the card declined puts a serious damper on the evening.

It's also useful to give your card issuer a heads-up if you'll be making an unusual number of purchases or spending a great deal more than you usually do. While not always necessary (security-alert triggers vary widely among banks and credit unions and for obvious reasons no one will tell you what trips their switches), it can prevent an awkward moment at the cash register.

vote-for2vote-against

Insert oh so witty PSN comment here.

vote-for2vote-against

@capguncowboy: The crazy thing is that the security foil was still on the card until a few days ago when Mom went to use it. My mom received the card in August and the fraudulent purchase took place in October.

I work retail but have never experienced or heard of anything like this before [with the security foil still intact].

vote-for2vote-against

Once, back in March of this year. I have a strong suspicion it was linked to having made a purchase at the Suntek store, as I went through and read the comments for the store about a month later, and a large number of reviews were about stolen CC numbers within a day of so of the day mine was stolen and used.

I would not make a purchase from them or another other direct from China company ever again, and strongly advise against others from doing so, at least at the Suntek store if no where else. Lesson learned on my end.

vote-for1vote-against

@tiamat114: I'll vouch for Meritline (as I'm sure many others would). No one else, though, even though there are probably others that are just fine.

I like meritline, and have purchased any number of things I didn't need, but just couldn't resist.