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  1. #1
    MembersZone Subscriber MalahatTwo7's Avatar
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    Default Credit Card Theft And Scams

    This just came in from Da Boss. I assume no responsibility for the accuracy of any statements made, but given the situations, they seem reasonable.

    CREDIT CARD THEFTS


    Wow! What will they think of next? Read. This one is important.

    Subject: Be sure to read 'Scene 3'

    One more thing to look out for!

    SCENE 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. Hmmmmm." 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.

    Verdict: Make sure the credit cards in your wallet at 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 parlor.

    All I am saying is, be aware of your surroundings at all times. Whenever you are using your credit cards, 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.

    When you are in a restaurant and the waiter/waitress brings your card and receipt for you to sign, make sure you scratch the number off. Some restaurants are using only the last four digits, but a lot of them are still putting the whole thing on there. I have already been a victim of credit card fraud and, believe me, it is not fun. The truth is that they can get you even when you are careful, but don't make it easy for them.

    JUST BE AWARE!
    If you don't do it RIGHT today, when will you have time to do it over? (Hall of Fame basketball player/coach John Wooden)

    "I may be slow, but my work is poor." Chief Dave Balding, MVFD

    "Its not Rocket Science. Just use a LITTLE imagination." (Me)

    Get it up. Get it on. Get it done!

    impossible solved cotidie. miracles postulo viginti - quattuor hora animadverto

    IACOJ member: Cheers, Play safe y'all.


  2. #2
    IACOJ BOD FlyingKiwi's Avatar
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    Valid notes.

    As this is my business area (identity theft / security) here are a few tips.

    1. NEVER let someone take your card to swipe it, go with them, and swipe it yourself. Hand held readers, and or the good old camera phone are to easy to get and use.

    2. Always obscure the numbers on the card prior to swiping it.

    3. ATM's if you appear to have trouble inserting your card all the way in, cancel the transaction and remoe your card, a skimming device may have been fitted to read your details, (they normally set a pin hole camera to record the keys as well.

    4. Use online banking services to monitor your cards activity FREQUENTLY.


    These were not cases of Credit Card Theft, they were Identity Theft.

    Here is a web page from our site that shows you some rather disturbing information about how easy it is. (PS. This is a new product, NO I am not free advertising, the product will be available in the US later this year, and YES, we will advertise it to our Brothers and Sisters on IACOJ and FH)

    KeyGate
    Psychiatrists state 1 in 4 people has a mental illness.
    Look at three of your friends, if they are ok, your it.

  3. #3
    Forum Member FDNY101TRUCK's Avatar
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    NEVER let someone take your card to swipe it, go with them, and swipe it yourself

    The gas station I get my gas from they swipe the card inside the building and sometimes you cant see them swipe it...or at a resturant I dont think I'm going to follow the waitor/waitress...all sounds good but I would think some places are just not so easy to watch.
    NEVER FORGET!
    9/11/01

  4. #4
    IACOJ BOD FlyingKiwi's Avatar
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    Halooooo.

    Tattoo a large V on your forehead before going out again.

    I never said it was always "easy" or "convenient", just that they are accepted best practices.

    And why not follow the waitress/waiter? If they get uneasy about you wanting to swipe your own card then......



















    Tell them to "Have a nice day."
    Psychiatrists state 1 in 4 people has a mental illness.
    Look at three of your friends, if they are ok, your it.

  5. #5
    Forum Member HeavyRescueTech's Avatar
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    you might want to add never purchase anything over the phone and pay with a credit card. after all, you are giving that person the number and the 3 digit number on the back, plenty of info for them to make online purchases using your card.

    If I had been the theif in Scenario 1, that is what I would do. copy the card info, maybe even the drivers liscence info for address info, and made all the purchases online. the guy would have never known the difference.

    like it or not, a lot of your personal information is available on the web, sometimes all a person needs to do is be willing to pay for it. name, address, SSN, if you know who to call, or where on the web to look, it can be found. the best way to stay safe is to do the 4th thing kiwi suggested, and double check that you know what you are spending your money on via online banking. although, this does increase the potential for someone to intercept your secure connection......
    If my basic HazMat training has taught me nothing else, it's that if you see a glowing green monkey running away from something, follow that monkey!

    FF/EMT/DBP

  6. #6
    Forum Member Adam07003's Avatar
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    I dont know if this is a scam yet, could be, seems like a great way... but i forgot to pay $15 to my CC and they called me saying they are collecting $30 from my card due to late payments, would i like to pay over the phone. I tell them no i'll pay later... no way im giving someone who calls ME my CC info. I once had someone call me offering me $5,000 credit card line, so i went throiugh the whole questioneere, then she asks for my social, i said "sorry i cant give that, i'll just fill that out later on the paperwork" she wouldnt let me continue and asked why i was hesitant, so i said "i dont know who you are" she said "but im so and so from so and so bank" i saiud "thats nice, prove it..." so i said thanks but im not interested anymore and hungup... she was legit im sure, but im not taking the chance.

    Also, for those of you with MBNA Credit Cards, you can create a CC # onlinne for a set amount for use in online purchases, i used to do that a lot.
    Adam, EMT-B

  7. #7
    Forum Member laddercompany's Avatar
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    Angry

    When I was in Miami, the waiters/waitresses on South Beach would always up-tip their tips on top of the tip I already given them!

  8. #8
    Forum Member ThNozzleman's Avatar
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    When I was in Miami, the waiters/waitresses on South Beach would always up-tip their tips on top of the tip I already given them!
    That's a problem around here, too. In fact, a local restaurant here quit letting waits run tips on the card because some of them were adding onto the tip after the customer had left. This makes it hard on the honest waits of course, because there is now no way to tip them if you are using a card.

  9. #9
    MembersZone Subscriber MalahatTwo7's Avatar
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    This makes it hard on the honest waits of course, because there is now no way to tip them if you are using a card.
    Sure there is. I usually try to have cash in hand for the tip. Saves the "honest" ones from getting jammed by the dishonest ones. And everyone gets treated equally.
    If you don't do it RIGHT today, when will you have time to do it over? (Hall of Fame basketball player/coach John Wooden)

    "I may be slow, but my work is poor." Chief Dave Balding, MVFD

    "Its not Rocket Science. Just use a LITTLE imagination." (Me)

    Get it up. Get it on. Get it done!

    impossible solved cotidie. miracles postulo viginti - quattuor hora animadverto

    IACOJ member: Cheers, Play safe y'all.

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