My discover card got compromised in early January. Got a text at around 3AM telling me to call their fraud dept ASAP. Email too. Went back to bed. lol. Because I know Discover is on it.
Next day I checked my account online and it was blocked until I called the fraud dept. No waiting on hold. Call was picked up by a fraud dept agent almost immediately.
By that time 6 charges were made, all under $100. They canceled them all and shipped a new one 2-day fedex. I could still use the old card in the meantime but only at brick and mortar stores.
That's why I only use a credit card or Paypal for online purchases. And when I use paypal, I only use funds from a credit card. The bank account tied to my paypal is a secondary account that only has less then $300 in it at any given time. If my paypal account gets hacked, they don't have access to funds in my main bank account.
Can't say how it happened. Just glad that Discover is easy to deal with. Wasn't really phased by it.
Next day I checked my account online and it was blocked until I called the fraud dept. No waiting on hold. Call was picked up by a fraud dept agent almost immediately.
By that time 6 charges were made, all under $100. They canceled them all and shipped a new one 2-day fedex. I could still use the old card in the meantime but only at brick and mortar stores.
That's why I only use a credit card or Paypal for online purchases. And when I use paypal, I only use funds from a credit card. The bank account tied to my paypal is a secondary account that only has less then $300 in it at any given time. If my paypal account gets hacked, they don't have access to funds in my main bank account.
Can't say how it happened. Just glad that Discover is easy to deal with. Wasn't really phased by it.
The lack of a clear direction on this and basically giving us bad advice from the beginning has frustrated me to no end.