<!--QuoteBegin-Skidzor+Jun 29 2004, 02:00 PM--></div><table border='0' align='center' width='95%' cellpadding='3' cellspacing='1'><tr><td><b>QUOTE</b> (Skidzor @ Jun 29 2004, 02:00 PM)</td></tr><tr><td id='QUOTE'><!--QuoteEBegin--> Did you find out <i>how</i>the person got your credit card number? Something must have happened somewhere for someone to get it, becasue if you never have lost it and someone made some charges to it then someone has it. <!--QuoteEnd--> </td></tr></table><div class='postcolor'> <!--QuoteEEnd--> The credit card co said that some people have random Mastercard number generators and I was just the lucky card out of all of the millions of master cards that got used.
I called one of the stores that they <tried to> use - and they said that there are a lot of W. African credit card fraud purchases that go through there every day - somehow their system is supposed to detect it and not allow the order.
Identity theft and credit card fraud are the fastest growing crimes these days. You should make sure its just a credit card you're being screwed over with and not your whole identity; Your Social Security number, credit history, the works.
Capital One likes to pride themelves in being great w/ handling fraud charges, so I'm sure they'll all work it out. There have been instances of me being accidentially charged twice for crap and they fixed it up for me.
As far as safety tips go: Being a former bank employee I can tell you all that credit cards, as easy as they are be ripped off on, Checks are even easier. I only use checks on things like bills where I can't use the debit card.
And as far as being ripped off online: with SSL (encrypted connections) you are actually far, far, far safer conducting your transactions online than you are when you use your card in person.
Did you know that at the grocery store or whatnot after you leave the teller can just print a button on the thing and get a duplicate receipt printed out w/ your full card number and name on it? Its pretty scary how many minimum wage workers have access to your credit line...
SpoogeThunderbolt missile in your cheeriosJoin Date: 2002-01-25Member: 67Members
Quotes from their website:
<!--QuoteBegin--></div><table border='0' align='center' width='95%' cellpadding='3' cellspacing='1'><tr><td><b>QUOTE</b> </td></tr><tr><td id='QUOTE'><!--QuoteEBegin-->With your Capital One card, we guarantee you 100% fraud protection. This means you will not be liable for any fraudulent charges. In the rare event that fraud does occur, we are committed to working with you to resolve the situation quickly and eliminate any inconvenience. This section will familiarize you with what you can do to ensure a timely resolution to the problem. <!--QuoteEnd--></td></tr></table><div class='postcolor'><!--QuoteEEnd-->
and
<!--QuoteBegin--></div><table border='0' align='center' width='95%' cellpadding='3' cellspacing='1'><tr><td><b>QUOTE</b> </td></tr><tr><td id='QUOTE'><!--QuoteEBegin-->Once you have made your phone call to us, Capital One will:
*Immediately close your existing account to prevent further unauthorized charges. *Open a new account for you and transfer the entire balance to the new account. *Remove any fraudulent charges from your new account. *Send, at your request, new credit cards, which you will receive within 7 - 10 business days.
You can help us process your claim quickly if you will:
*Destroy all credit cards and/or checks associated with the old account. *Review your next billing statement for any new fraud charges. *Complete the fraud form. This form is a vital part of the investigation. If we do not receive this form from you, our ability to resolve this issue is greatly reduced. <!--QuoteEnd--></td></tr></table><div class='postcolor'><!--QuoteEEnd-->
Looks to me like you're A-OK. Banks get a bit funny about stuff like this but if your history doesn't show any activity similar to these purchases, they'll most likely drop the charges.
This is why, if I ever get a credit card (I'm only 15, I can't get one. Does anyone know if your parents' credit history affects your ability to get a credit card in Canada?) I'm only using it for online purchases where I HAVE to use a credit card. Or for porn sites.
Comments
The credit card co said that some people have random Mastercard number generators and I was just the lucky card out of all of the millions of master cards that got used.
I called one of the stores that they <tried to> use - and they said that there are a lot of W. African credit card fraud purchases that go through there every day - somehow their system is supposed to detect it and not allow the order.
Capital One likes to pride themelves in being great w/ handling fraud charges, so I'm sure they'll all work it out. There have been instances of me being accidentially charged twice for crap and they fixed it up for me.
As far as safety tips go:
Being a former bank employee I can tell you all that credit cards, as easy as they are be ripped off on, Checks are even easier. I only use checks on things like bills where I can't use the debit card.
And as far as being ripped off online: with SSL (encrypted connections) you are actually far, far, far safer conducting your transactions online than you are when you use your card in person.
Did you know that at the grocery store or whatnot after you leave the teller can just print a button on the thing and get a duplicate receipt printed out w/ your full card number and name on it? Its pretty scary how many minimum wage workers have access to your credit line...
<!--QuoteBegin--></div><table border='0' align='center' width='95%' cellpadding='3' cellspacing='1'><tr><td><b>QUOTE</b> </td></tr><tr><td id='QUOTE'><!--QuoteEBegin-->With your Capital One card, we guarantee you 100% fraud protection. This means you will not be liable for any fraudulent charges. In the rare event that fraud does occur, we are committed to working with you to resolve the situation quickly and eliminate any inconvenience. This section will familiarize you with what you can do to ensure a timely resolution to the problem.
<!--QuoteEnd--></td></tr></table><div class='postcolor'><!--QuoteEEnd-->
and
<!--QuoteBegin--></div><table border='0' align='center' width='95%' cellpadding='3' cellspacing='1'><tr><td><b>QUOTE</b> </td></tr><tr><td id='QUOTE'><!--QuoteEBegin-->Once you have made your phone call to us, Capital One will:
*Immediately close your existing account to prevent further unauthorized charges.
*Open a new account for you and transfer the entire balance to the new account.
*Remove any fraudulent charges from your new account.
*Send, at your request, new credit cards, which you will receive within 7 - 10 business days.
You can help us process your claim quickly if you will:
*Destroy all credit cards and/or checks associated with the old account.
*Review your next billing statement for any new fraud charges.
*Complete the fraud form. This form is a vital part of the investigation. If we do not receive this form from you, our ability to resolve this issue is greatly reduced. <!--QuoteEnd--></td></tr></table><div class='postcolor'><!--QuoteEEnd-->
Looks to me like you're A-OK. Banks get a bit funny about stuff like this but if your history doesn't show any activity similar to these purchases, they'll most likely drop the charges.