The one Walmart has is around $4 every time you add money, plus a monthly service fee.
If you get the Visa or Amex pre-paid gift cards you avoid both fees, as far as I know.
The terms are on the back of the card packaging.
Watch you credit card
- Thread starter damthisisfun
- Start date
- th_trl_thread_readers 0
- Status
The one Walmart has is around $4 every time you add money, plus a monthly service fee.
If you get the Visa or Amex pre-paid gift cards you avoid both fees, as far as I know.
The terms are on the back of the card packaging.
Happened to me about 2 months ago as well, however the charged items were being shipped to my town. Anyway, think of one other factor as well..............Eating out. The detective made a good point when he said "You eat at a sit in restaraunt, give your card to someone to take to a back room all by themselves, who also more than likely has a camera on their phone...... Two pictures of your credit card is all they need, one of the front, and one of the back." After he said that, I have been a little paranoid everytime I give out my card info, online and at home.
Paypal does not accept some pre paid cards, so if you go threw them, best check first.
Just an FYI - Since I started on this vaping journey 6 months ago, I have ordered from 25 or so different vendors.
Well my info was used to buy a couple of computers this AM. Good thing I check my pending charges every morning.
Anyhow, I am not pointing any fingers but this is not a new topic in ECF so I figured I would add my recent experience.
Well my info was used to buy a couple of computers this AM. Good thing I check my pending charges every morning.
Anyhow, I am not pointing any fingers but this is not a new topic in ECF so I figured I would add my recent experience.
I use my CC for just about everything and pay the balance off every month...on-line shopping, in-person shopping, restaurants, bills, etc...you name it. Fortunately, I've only had one incident and my CC company caught it even before I did and gave me a call. It is important to be vigilant and check your statements on a routine basis for fraud or other errors. Of course, a lot of other things you can do to protect yourself...shopping at reputable places of business (including e-commerce), etc. Also, check with your CC provider to see what type of fraud protection your particular card offers. Also, get a copy of your credit report from time to time so that you can see if anyone has set up a new account in your name. This happens a lot with those free CC offers...a lot of people just throw them out...shred 'em!
You also have to be very carefull of skimming...this is one of the most common forms of credit card theft because frankly, just about anyone with half a brain and an opposable thumb can do it...actually, you could probably do without the thumb and may only need 1/4 of a brain.
skimming can range from the very simple to more complicated and technically advanced. Really, all one needs is a phone with a camera...take the CC back behind the counter or whatever and take the photo...bam...they have your CC number. Actually, some people are stupid enough to actually post pictures on line and on twitter, etc of the CC...recently a site was discovered called Needadebitcard that collects these stupid tweets and whatnot.
There are also skimming machines that can be fabricated using about $100 worth of everyday ordinary stuff. These are much more dynamic than a simple snap shot in that the card is actually swiped through and all of the information is pulled...these numbers are then usually sold to other criminals and can fetch anywhere from $20-$40 who in turn make an entire fake CC and sell those. These are most commonly used by waiters/waitresses/bartenders, etc...anyone who gets to take your card out of your site when you pay. They can also be put on gas station pumps and the like and be retrieved at a later time.
Then you have the latest and greatest RFID CCs...personally, I don't know that they are worth the "convenience"...ok, I don't have to swipe I just have to hold it up to a scanner...ok, that saved me all of 1/10 of one second, big deal. Meanwhile, you're wide open to other devices that can be easily fabricated to steal the information from that card without it even leaving your wallet or purse. An RFID card emits a signal from a chip and is open for business full time. Protective sheaths and wallets can be purchased to protect against this...but again, is it really all that convenient? I'd rather just have an old swipe card myself.
If online purchase is resulting in your CC number being stolen, it's most likely a hacker who has hacked into either your system, the processor's sytem, or the bank's system itself. Even if you never use your CC to purchase anything on-line, you could still be at risk as many companies keep this type of information backed up to on-line servers. There are also
Just be vigilant...I personally don't go around living my life in fear, but I do remain vigilant and always have my eyes and ears open.
You also have to be very carefull of skimming...this is one of the most common forms of credit card theft because frankly, just about anyone with half a brain and an opposable thumb can do it...actually, you could probably do without the thumb and may only need 1/4 of a brain.
skimming can range from the very simple to more complicated and technically advanced. Really, all one needs is a phone with a camera...take the CC back behind the counter or whatever and take the photo...bam...they have your CC number. Actually, some people are stupid enough to actually post pictures on line and on twitter, etc of the CC...recently a site was discovered called Needadebitcard that collects these stupid tweets and whatnot.
There are also skimming machines that can be fabricated using about $100 worth of everyday ordinary stuff. These are much more dynamic than a simple snap shot in that the card is actually swiped through and all of the information is pulled...these numbers are then usually sold to other criminals and can fetch anywhere from $20-$40 who in turn make an entire fake CC and sell those. These are most commonly used by waiters/waitresses/bartenders, etc...anyone who gets to take your card out of your site when you pay. They can also be put on gas station pumps and the like and be retrieved at a later time.
Then you have the latest and greatest RFID CCs...personally, I don't know that they are worth the "convenience"...ok, I don't have to swipe I just have to hold it up to a scanner...ok, that saved me all of 1/10 of one second, big deal. Meanwhile, you're wide open to other devices that can be easily fabricated to steal the information from that card without it even leaving your wallet or purse. An RFID card emits a signal from a chip and is open for business full time. Protective sheaths and wallets can be purchased to protect against this...but again, is it really all that convenient? I'd rather just have an old swipe card myself.
If online purchase is resulting in your CC number being stolen, it's most likely a hacker who has hacked into either your system, the processor's sytem, or the bank's system itself. Even if you never use your CC to purchase anything on-line, you could still be at risk as many companies keep this type of information backed up to on-line servers. There are also
Just be vigilant...I personally don't go around living my life in fear, but I do remain vigilant and always have my eyes and ears open.
Well this is an unfortunate thing with faceless payments. Yes the information can be stolen and used by third parties to attempt to make fraudulent purchases. All major cc's will never hold the cardholders liable for the transactions so if you are really that worried, ask your cc company for a second smaller balance card, (can sometimes be issued off of the real account) so you can have a safer method of payment online. This will allow you to replace it without having to impact your day to day card. As others have mentioned, some companies will even issue one time usage numbers so even if it's stolen it can't be used again.
As for the RFID type cards, these card are just as safe as a standard card, the card readers will only grab card number and exp date and a small code for a one time transaction, which cannot be used to do anything else with.
This is my bread and butter, so if you have any questions please feel free to ask.
As for the RFID type cards, these card are just as safe as a standard card, the card readers will only grab card number and exp date and a small code for a one time transaction, which cannot be used to do anything else with.
This is my bread and butter, so if you have any questions please feel free to ask.
Just got me new Discover card - and lo and behold I found out I can get a txt every time the card is used plus I can get what they call a secure number - one time use number online - a little more work - but that solves the problem of fraud......
Glad to hear Discover has virtual CC capability.
Everyone should check their CC account to see if a similar feature is offered, and if so, use it.
My Bank of America CC has "Shop Safe" which I use every time I order online.
Everyone should check their CC account to see if a similar feature is offered, and if so, use it.
My Bank of America CC has "Shop Safe" which I use every time I order online.
Absolutely right. Just had this happen to me. I used a certain card at a restaurant. This card had not been used for 20 days prior, and 0 times forward of the restaurant. The next day $3500.00 was charged at bestbuy.com. I luckily downloaded transaction the next day, saw the charge, and called my banks fraud department. They instantly reversed the charge, asked me to confirm I actually had my card, I did, then had me destroy the card. They overnighted the replacement card following day. Must say service was excellent. Point is someone obviously got my card number, and security code, while processing my restaurant bill. I think buying online through secure site is safer than handing your card to anyone who removes it from your sight. Frankly, unless I can swipe card myself, into a scanner I can be sure is real, I won't use it. I will still purchase online through secure sites.
Sent from my cm_tenderloin using Tapatalk 2
I had this happen to me a week or so ago (not the first time either). It was with my Capital One card that I only use for online purchases and they took care of it quickly. All it took was a 5 minute phone call and everything was sorted out.
I also have my cards setup so I get an email when any purchase over $25 (I think) is made. This was not the case here though since it was a $0.01 international transaction (which caused the red flag) and a later $230+ charge that was declined. The fraud department called me about it since it was suspicious. The interest rates suck with Capital One, but they're awesome when it comes to dealing with stuff like this (which is why I use it online). Luckily I don't keep much of a balance on that card so I'm ok with that.
I also have my cards setup so I get an email when any purchase over $25 (I think) is made. This was not the case here though since it was a $0.01 international transaction (which caused the red flag) and a later $230+ charge that was declined. The fraud department called me about it since it was suspicious. The interest rates suck with Capital One, but they're awesome when it comes to dealing with stuff like this (which is why I use it online). Luckily I don't keep much of a balance on that card so I'm ok with that.
Last edited:
These cases are very common now-days,They are very talented to get into it without even knowing it...
Many banks are offering their own re loadable card program. My bank uses Mastercard. no load fees, just a low monthly fee. They suggested I use this online instead of my regular card because once the balance is zero or there is not a large enough balance for a purchase, the transaction is declined. So, if you only load it with what you need on it for a shopping session, risk goes way down. It's not like you are on the hook for much of anything fraudulent with a regular card, so I'm still on the fence about re loadable cards and gift cards.
I also like the rewards program on my regular VISA. Usually $500 - $1,000 they pay me to use their card since I never carry a balance.
My number was stolen a few weeks ago and used in the UK. I bought GPS maps from a company over there.
I also like the rewards program on my regular VISA. Usually $500 - $1,000 they pay me to use their card since I never carry a balance.
My number was stolen a few weeks ago and used in the UK. I bought GPS maps from a company over there.
Yes,reputable websites has firewall in which no information can be driven from any of the hackers because they are very much protected.
I have a online CC it has a 300$ limit then if some one gets me its no big deal Im not disputing my bank account or my main CC with the high limit. I can live with out the 300 limit till the problem is solved.
You can set up your card online to text you when a charge is made. It's an aggravation, but very effective in letting you know when a scam occurs. If you didn't make the charge that appears on your phone, you turn around and call the credit card company immediately and have it reversed.
Pre-paid reloadable cards are great. I have a VISA pre-paid card from Suntrust that has no fee and can only be stolen for whatever amount I transfer before a transaction. It's probably the safest way to buy online.
I also like cards with my picture on them. Those are good for face to face transactions. Lot's of stores are requiring a valid Picture ID before the transaction unless your picture is on the card. That's a good policy. My bank card has my picture. Still, online it can be stolen.
Pre-paid reloadable cards are great. I have a VISA pre-paid card from Suntrust that has no fee and can only be stolen for whatever amount I transfer before a transaction. It's probably the safest way to buy online.
I also like cards with my picture on them. Those are good for face to face transactions. Lot's of stores are requiring a valid Picture ID before the transaction unless your picture is on the card. That's a good policy. My bank card has my picture. Still, online it can be stolen.
- Status
Similar threads
- Locked
