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Watch your credit cards.

McGuinty

Senior Member
Joined
Aug 23, 2010
Messages
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Sent to me from a buddy.

New way of STEALING


New way of STEALING...
ESPECIALLY LOOK AT SCENE THREE...

Be sure to read Scene 3. Quite interesting.

This is a new one. People sure stay busy
Trying to cheat us, don't they?

SCENE 1 .
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...

Hmm, '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!
============================

SCENE 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 cashier 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..
(This scenario actually happened to me at a local restaurant- Falls Terrace-between the waitress and the front desk cashier.)

Verdict: 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.

FOR YOUR OWN SAKE, DEVELOP THE HABIT OF CHECKING YOUR CREDIT CARD EACH TIME IT IS RETURNED TO YOU AFTER A TRANSACTION!
==========================

SCENE 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 parlour.

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.

FORWARD THIS TO AS MANY PEOPLE AS YOU CAN THINK OF. LET'S GET THE WORD OUT! JUST BE AWARE.
Never let your card out of your sight.....check and check again!

Scary isn't it.....

New way of STEALING... Don't delete this one!!
 
I always thought you can dispute it if your signature does not match the one from the credit card.?

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?
 
On a work trip to the GTA, my cc number was lifted. The only place I used it was to rent a car. The cc number was run up to the tune of $800. The bank actually called me after I was home to verify the charges. I still had the card and they removed the charges. I googled the location the card was used at and it was one of the fine Toronto strip clubs. Still don't know how the number was used without the card, unless a duplicate card was made.
 
hence why almost all cards now come with a chip.....you can't duplicate it simply by taking a picture of it.......

As for the $9K charges, I call "bs" on that one because if the signature doesn't match, you're not liable for the charges...EOS. I had my wallet stolen out of my office once and the perp went immediately across the street and withdrew $500 on my cc......When the bill came in I called the issuing bank and told them I would go review the security video, they weren't interested at all, just reversed the cash advance......

When interact first came out a LOT of charges were heaped up on people's cards because all that was needed was to tap into the phone lines, and "read" the numbers sent back and forth over the lines....they weren't even encoded....the tones were no different than touch tones....so the perps would get the number dialed, then the card number, then the amount.....in that order so it was easy to just copy down the number......
 
About a year and a half ago before they introduced the chip, my debit card was compromised. I suspect that it happened at a gas station, as I do remember the attendant acting nervously as he was handling my card, but I dismissed it. Within a two day period, money was withdrawn from my account up to the maximum restriction that my debit card allowed. I caught it on the second day and had my bank freeze my account, but the damage was already done and I had about $1200 missing. Eventually I got my money back, but it took them 4 weeks. The way they were able to verify that those transactions were not mine, was that some were done in Montreal, Ottawa, etc close to the time when I did a legitimate transactions in Toronto.
 
I always thought you can dispute it if your signature does not match the one from the credit card.?

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?


Correct. If your signature is not on it you should not be paying. There are flaws on this assessment.
 
Correct. If your signature is not on it you should not be paying. There are flaws on this assessment.

I bet these "stories" are simply anecdotal......not that they aren't good advice, but still, a photo of a credit card is useless without the chip....

Plus, if I thought someone shot a picture of my credit card I certainly wouldn't simply walk away, I'd say "what the fuck did you just do"? lemme see your phone.....and if he didn't hand it over, I'd call the manager or the cops......
 
Same goes if they forge one of your checks. If the signature doesn't match, DON'T pay.
 
Ozzie said:
Same goes if they forge one of your checks. If the signature doesn't match, DON'T pay.

yeah, the person accepting the cheque is supposed to verify the signature against a driver's licence or other form of official ID.......

but I can't remember the last time I wrote a cheque to pay for something....probably my truck, 3 yrs ago......
 
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