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From: SteveG <steveg..._at_gmail.com>
To: TSCM-L Professionals List <TSCM-..._at_googlegroups.com>
Subject: Re: NEW credit card scams
Date: Fri, 17 Aug 2007 21:52:11 -0000
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There's something about this that doesn't tell all:
For scenario I to even be plausible it would have to be an Amex card.
I say that only because I am unfamiliar with their rules but I
understand they are less consumer friendly. Visa and MC rules both
have maximum liability to the cardholder of $50 on fraudulent charges,
regardless of whether you reported the card lost or stolen. If you
report the card lost or stolen, on Visa you have $0 liability. I have
the personal experience with Discover of having had someone use my
account number at Sam's charging a $2,500 purchase. I couldn't spend
$2,500 at Sam's if I lived in there for a week. My Discover card
wasn't ever lost or stolen, it was always in my possession. I charged
it back, signed an affidavit of fraud and that was the end of it.
While #2 is plausible, for the same reasons of the $50 maximum
liability, you are doing the issuer more of a favor by being diligent
than you are doing yourself. When someone steals your card and then
uses it, generally your defense is always going to be your signature.
If they can't produce a slip with your exact signature the merchant
eats the charge. If it is a non sig environment, for that reason, the
cardholder has the benefit of the doubt.
#3 is actually quite common. We used to hear stories of people using
calling cards and credit cards in phones. There would be situations
of people in airports with video cameras with telephoto lenses
recording the numbers that someone punched in. That was one of the #1
reasons they developed the mag stripe readers for public
telephones.
On Aug 14, 1:41 pm, "Its from Onion" <ared..._at_msn.com> wrote:
> Quite interesting and very frightening.
>
> 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.
>
> 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.
>
> 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 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.
>
> 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.
>
> FORWARD THIS TO AS MANY PEOPLE AS YOU CAN THINK OF. LET'S GET THE WORD
> OUT!
>
> JUST BE AWARE
>
> Onion
Received on Sat Mar 02 2024 - 00:57:23 CST