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layton 08-27-2009 11:48 PM

If you use Credit Cards, read this
This gives us something to think about with all our new electronic technology. It does make sense, regardless of how far fetched some of it sounds.

A couple of weeks ago a friend told me that someone she knew had their car broken into while they were at a football match. Their car was parked on the grass area which was adjacent to the football stadium and specially allotted to football fans. Things stolen from the car included a garage door remote control, some money and a GPS which had been permanently mounted on the dashboard. When the victims got home, they found that their house had been ransacked and just about everything worth anything had been stolen. The thieves had used the GPS to guide them to the house. They then used the garage remote control to open the garage door and gain entry to the house. The thieves knew the owners were at the football game, they knew what time the game was scheduled to finish and so they knew how much time they had to clean up the house. It would appear that they had brought a truck to empty the house of its contents..

Mobile Phone
I never thought of this... This lady has now changed her habit of how she lists her names on her mobile phone after her handbag was stolen. Her handbag, which contained her mobile phone, credit card, wallet... etc... was stolen. 20 minutes later when she called her hubby, from a pay phone telling him what had happened, hubby says "I received your text asking about our Pin number and I've replied a little while ago."
When they rushed down to the bank, the bank staff told them all the money was already withdrawn. The thief had actually used the stolen cell phone to text 'hubby' in the contact list and got hold of the pin number. Within 20 minutes he had withdrawn all the money from their bank account. Moral of the lesson: Do not disclose the relationship between you and the people in your contact list. Avoid using names like Home, Honey, Hubby, Sweetheart, Dad, Mom, etc... And very importantly, when sensitive info is being asked through texts, CONFIRM by calling back. Also, when you're being text by friends or family to meet them somewhere, be sure to call back to confirm that the message came from them. If you don't reach them, be very careful about going places to meet family and friends who text you.

Credit Card 1.
This is a new one. People sure stay busy trying to cheat us, don't they?
A friend went to the local gym and placed his belongings in the locker. After the workout and a shower, he came out, saw the locker open, and thought to himself, 'Funny, I thought I locked the locker. Hmmm... He dressed and just flipped the wallet to make sure all was in order. Everything looked okay - all cards were in place. A few weeks later his credit card bill came - a whooping bill of $14,000! He called the credit card company and started yelling at them, saying that he did not make the transactions. Customer care personnel verified that there was no Mistake in the system and asked if his card had been stolen. 'No,' he said, but then took out his wallet, pulled out the credit card, and yep - you guessed it - a switch had been made. An expired similar credit card from the same bank was in the wallet. The thief broke into his locker at the gym and switched cards. Verdict: The credit card issuer said since he did not report the card missing earlier, he would have to pay the amount owed to them. How much did he have to pay for items he did not buy? $9,000! Why were there no calls made to verify the amount swiped?

Small amounts rarely trigger a 'warning bell' with some credit card companies. It just so happens that all the small amounts added up to big one!

Credit Card 2.
A man at a local restaurant paid for his meal with his credit card. The bill for the meal came, he signed it, and the waitress folded the receipt and passed the credit card along. Usually, he would just take it and place it in his wallet or pocket. Funny enough, though, he actually took a look at the card and, lo and behold, it was the expired card of another person. He called the waitress and she looked perplexed. She took it back, apologized, and hurried back to the counter under the watchful eye of the man. All the waitress did while walking to the counter was wave the wrong expired card to the counter cashier, and the counter casher immediately looked down and took out the real card. No exchange of words --- nothing! She took it and came back to the man with an apology.
Make sure the credit cards in your wallet are yours. Check the name on the card every time you sign for something and/or the card is taken away for even a short period of time. Many people just take back the credit card without even looking at it, 'assuming' that it has to be theirs.

Credit Card 3.
Yesterday, I went into a pizza restaurant to pick up an order that I had called in.
I paid by using my Visa Check Card which, of course, is linked directly to my checking account.

The young man behind the counter took my card, swiped it, then laid it on the counter as he waited for the approval, which is pretty standard procedure.
While he waited, he picked up his cell phone and started dialing.

I noticed the phone because it is the same model I have, but nothing seemed out of the ordinary. Then I heard a click that sounded like my phone sounds when I take a picture. He then gave me back my card but kept the phone in his hand as if he was still pressing buttons. Meanwhile, I'm thinking: I wonder what he is taking a picture of, oblivious to what was really going on. It then dawned on me: the only thing there was my credit card, so now I'm paying close attention to what he is doing. He set his phone on the counter, leaving it open. About five seconds later, I heard the chime that tells you that the picture has been saved. Now I'm standing there struggling with the fact that this boy just took a picture of my credit card. Yes, he played it off well, because had we not had the same kind of phone, I probably would never have known what happened. Needless to say, I immediately canceled that card as I was walking out of the pizza parlor. All I am saying is, be aware of your surroundings at all times. Whenever you are using your credit card take caution and don't be careless. Notice who is standing near you and what they are doing when you use your card. Be aware of phones, because many have a camera phone these days.

Never let your card out of your sight... check and check again!

I got this in an e-mail.


feedsasquatch 08-28-2009 01:08 AM

And that's why I bank with USAA!!! While on vacation in Texas, some moron got a hold of our credit card information (probably through an online transaction) and purchased over $700 worth of Xboxlive stuff online within 24 hours. Even though my card wasn't technically stolen, they still refunded me back everything within 48 hours. Good thing my wife is on top of our accounts all the time...

spittinfire 08-28-2009 03:16 PM

I also have a card with USAA. They are a great company for insurance as well. They take security very seriously and have excellent customer service.

Rimfire McNutjob 08-28-2009 05:22 PM

If you need a GPS to get home how sad are you. That is why you don't use them things.

My dad got hit at a restraunt along a freeway. The place had you take the bill to the counter. My dad paid she haded him his card back and and said oops it didn't work took the card back swiped it and handed him the bill to sign and a recipe and kept the card. By the time they figured out what had happened they were down $400 not to bad. $350 of it was spent at a medical supply place for support hose (Pantyhose just stronger). and $50 for beer.

Dillinger 08-28-2009 05:38 PM Credit Card Scams

skullcrusher 08-28-2009 05:49 PM


Originally Posted by Dillinger (Post 152264)

Well put, JD. So many of these come by e-mail and are plain false. I did not even need to go to Snopes to know what was going on here...:rolleyes:

layton 08-28-2009 06:24 PM

I did not post it as being true, only posted so that some might be a little more observant, an alert mind is hard to beat.


skullcrusher 08-28-2009 07:12 PM


Originally Posted by layton (Post 152289)
I did not post it as being true, only posted so that some might be a little more observant, an alert mind is hard to beat.


I agree that alertness is hard to beat, but perpetuating fallacies does no one any good, imho. What's wrong with a message saying, "Be alert." (other than the 10 chars min)? I'm just saying. Plus, it takes up forum space needlessly. I'm willing to bet that you thought these were true, but again, that is my opinion. :rolleyes:

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