Fraud Charges 2nd Time This Year. !!!! Retailers get your **** together!!!

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propagandax

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Once again.
Same vendors not random ones keep popping up. None of them are big suppliers.
If Volcano or Halo got hit. I'd be worried.

Agreed. Lucky for me I don't use any of those vendors. I feel bad for and don't blame the vendors what so ever but I think it's prudent to present the information we have and let people make their own decisions.

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tmcase

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Once again.
Same vendors not random ones keep popping up. None of them are big suppliers.
If Volcano or Halo got hit. I'd be worried.

I'd like to make it clear that I'm not blaming ecigexpress. It might have only been a coincidence that the fraudulent purchase was made the day after using my card there. I don't remember the circumstances about the first time this year that this happened. I will still buy from ecigexpress but I'll use a CC next time. With a CC there is no risk to the victim and it's easier for the banks to cancel a transaction. With a debit card the bank has to wait until the transaction posts to your account which could take 2 - 3 days and then they will file a claim but in the mean time the pkg is shipped to the thief. I was lucky, the store made every attempt to contact the carrier to intercept the package before it was delivered. So in my case the thief got nothing.
 

tmcase

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Not everyone can get a CC nor do some want one, don't just tell people to get a CC to avoid fraud.

A credit card is the best way to avoid fraud. I can understand not wanting a credit card. They are too tempting to use but a pre-paid credit card could be purchases for what ever you can afford to spend and when it's spent it's garbage.
 

patkin

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I STILL don't get it. All these lists and tips (which I've given myself and employ) on HOW to protect ourselves are great BUT isn't the very first line of defense NOT shopping at risky places or, at the very least, checking out the safety of a place you want to purchase from? And yet, that very first line of defense is repeatedly disagreed with by those offering protection advice. And to state one's factual experience is spun as "bashing." Go to other forums like "As seen on TV" for instance. There companies are openly discussed. Why? Customer protection. The discussions on any forum where purchasing is done, over the net especially, always cover the vendor's practices and not just the product they sell. Even Amazon shows reviews on the business itself as well as the product. There's a whole sub forum here for Negative Vendor reviews. Why? Same thing... customer protection. So we can talk about shipping times, missing items in the order but not the fact that our CC was hit after shopping there (given we don't use the card for purchases other than ecig supplies.) Again, the first step in one's protection is vendor choice. And you know what, I would lay money down betting that the vendors that DO pay the higher cost of secure software and processing centers are pleased when they see those who don't being named. And not because they enjoy seeing any vendor "bashed" but because they know their business has a better chance of growing then and their efforts and higher expenses pay off. The territory is highly competitive and their efforts become evident when the lack of effort by others becomes evident. Maybe its become ideological. I'm in the "transparency matters" school. I will reward a vendor's good business practices and want them known so I can find them. They're the ones that will win my business first even though I will still employ my own good sense protecting myself even then... my trust is never going to be blind.
 
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tmcase

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Not everyone has awesome credit...like myself.

Agreed but you can show credit that you've already established with other business like rent pmts, utility bills etc..if these have been paid on time. A bank will take that into consideration when reviewing a 1st time credit card customer.
 

tmcase

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One other thing, BEFORE enter a credit or debit card..

Look at the address bar of your browers.. It should read HTTPS... If it does not, stop and do not enter your credit card. It is not secure and your number will get stolen.. Period

HTTPS

I just checked out Ecigexpress and they use HTTPS and has a lock on the URL bar. I can't say whether that will stop CC fraud or not. I don't know that much about it but I always look for the lock.
 

Tripster

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Agreed but you can show credit that you've already established with other business like rent pmts, utility bills etc..if these have been paid on time. A bank will take that into consideration when reviewing a 1st time credit card customer.

Sometimes in life peoples credit is so bad that they will never get that opportunity, some ruined their own credit and some were victims.
 

mmikee

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A credit card is the best way to avoid fraud. I can understand not wanting a credit card. They are too tempting to use but a pre-paid credit card could be purchases for what ever you can afford to spend and when it's spent it's garbage.

Actually, Walmart sells a Visa prepaid card that you can keep refilling. It only costs 3 dollars a month.
I was recently hit with fraud as well, almost $1000. I got all my money back, but I had recently purchased from a few of the the vendors that keep coming up in these threads.
I will only be using the pre paid card from now on for online purchases.
 

tmcase

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Actually, Walmart sells a Visa prepaid card that you can keep refilling. It only costs 3 dollars a month.
I was recently hit with fraud as well, almost $1000. I got all my money back, but I had recently purchased from a few of the the vendors that keep coming up in these threads.
I will only be using the pre paid card from now on for online purchases.

I didn't know you could refill them. Thanks for that info and sorry that you too were a victim.
 

DeeDee1234

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Sometimes in life peoples credit is so bad that they will never get that opportunity, some ruined their own credit and some were victims.

Then best way to address this is to get a prepaid credit card from a bank. You give them a depoist amount and the credit card is good for that amount. Then, you pay it off and show that you can pay on time. You will build up good credit. Bad credit will fall off in time and good credit need to be shown. It takes time but it will allow you to repair your credit history
 
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