Yeah. The part that really sucks is the waiting for the transactions to go through so I can file claims against them.
You should be able to claim it back! Credit cards, unlike bank accounts, are insured against this contingency.
Then go and burn them...
Yes, they said I would be able to do that once the transactions go through. What I'm really annoyed about is that they seem to have raised my credit limit so these people could pull this off. I do not want a higher credit limit. I like it low so that exactly this sort of thing cannot happen.
yeah i'd read in UK that card security wasn't all it was hacked up to be lol sorry for the bad pun
get well soon!
Thanks. I'm sure I'll be back to my usual bouncy self just as soon as I file a claim against the transactions.
I hate that the cardholder is never allowed to hear the end of the story, since they're protected from liability and therefore aren't the "victim", despite the hours of work it takes to clean up one of these messes. As if our time's not worth anything. As if all money doesn't, at some point, boil down to somebody's time.
I want to know what happens. I mean, there are cameras everywhere! Timestamps! Handwriting analysis! Gift card serial numbers! WTF! And yet I really suspect the thieves don't get punished or even charged 99.999% of the time. It burns me up.
I totally agree. Surely there must be a way of working out who has perpetrated the crime, especially if they order bulky items from a web site. Surely those have to be shipped somewhere, and surely someone will be turning up to pick them up, looking a bit furtive? I mean, surely?
I'm assuming that the increase in your limit was at the instigation of the credit card company and not somebody hacking their way through the security on your account (which would be a lot more worrying). I hate when banks and CC companies pull that shit.
I had my Amex cloned last year. They caught it with profiling - buying bus tickets didn't exactly match my spending pattern.
It seems to have been the card company, yes. Once I get my new card, I'm going to phone them up and shout at them to put my limit back to where it was.
I suspect I might actually have caught it before the bank had a chance to flag up the transaction as unusual. There was a second transaction pending when I checked yesterday, which seems to have been stopped by my cancelling the card.
Oh yeah - do you know if the perpetrators were caught?
I have to cling to the belief that it will come back round to them.
I hope all your paperwork goes through smoothly.
Oh I hope so. I cling to that belief too. Thank you.
I tell the credit card companies to lower it if they raise it. They don't like this, but I own a house, I don't need any greater debt.
I agree. I'm going to shout at them to lower my limit as soon as I get my new card.
That happened to me once when I was living in Los Angeles. It wasn't my credit card but check card that linked directly to my checking account. Luckily I got a call from Bank of America, they shut my card off, issued me a new one and returned the money into my account... Although it was a hassle as I was without money for three days. Will the company return the money and issue you a new card and account number?
I've already had them shut down that card and issue a new one (with a new PIN, just in case). I have to file a claim against the charge in order to get my money back. I'm really grateful it wasn't my debit card because that would have made me even more anxious. I know how it feels being without cash. I've had my wallet stolen. Since I noticed almost immediately I was able to cancel all my cards before they could be used, but I still had no cash until I got my new card.
My card got cloned about a year and a half ago, by someone not very bright - he used it to buy a bunch of stuff from Tesco.com and have it delivered to his home.
The bank spotted it, for which I was grateful. Checking what he'd bought - groceries! You'd think you'd buy something more exciting with a cloned card than groceries - wasn't difficult when he'd used his Tesco Clubcard, given that the company I was working at the time for administers Tesco's Clubcard transaction database (and to be honest Tesco are pretty hot about assisting criminal investigations of thsi type, so no Data Protection issues there).
It did mean that I got issued a new card with a new number though, which was a bloody pain in very many ways.
I'm all for the setting on fire as punishment. Oh yes.
Ahahaha, oh my. He just couldn't do without his Clubcard points, I guess?
The people who used my card seem to have ordered some rather bulky equipment off a web site. Since this has to be shipped somewhere (and is not small), I can't imagine it will be terribly difficult to track down the thieves.