Blimmin 'eck.. My cards been cloned/bank account hacked.. Weirdly I've just been on holiday and didn't use card at all so it must have happened in the UK, but no idea where.. keep your eyes peeled peeps when using chip/pin or contactless devices! Luckily barclays were right on the case, and declined the transactions that they are worried about so no damage done other than locked accounts and a visit to the bank tomorrow to go through recent transactions!
Telling us where you shopped in the UK recently may be of some help................
Did you use it in UK anywhere it was obvious you were going on holiday ? e.g. petrol station near the chunnel, airport shops/hotels etc ?
Trying to rack my brain, used at Manchester Airport, recently local chain pubs and various stores, but i suppose the card could have been skimmed some time back and the details sold on, so not nessesarily a recent card skim?
Possibly a compromised cash machine but that could have been at many places.. I'm pretty careful and don't let the card out of sight..
Has your online banking been compromised? If so, there will be more going on then just a card clone.
Used sportpursuit?
Not used sports pursuit, online banking locked down so I'll have to have a proper look when I go to the branch tomorrow morning to sort it out.
Used it to buy anything online? Usually where they get compromised. Had one which I suspected was down to an Australian DVD retailer which got hacked. I now never allow my card details to be stored on online retailers.
Sometimes it's more luck. They've got card numbers from somewhere and managed to work out the expiry date then use it on an insecure site that doesn't check the security code (Amazon in fact! and that's where all my fraudulent transactions went through, small test amounts on Amazon).
Another is where banks get compromised. Way back when Egg existed, card suddenly cancelled and new card arrived in the post without asking along with a message about it being for a security issue, along with a lot of other people but they never let on why. Rumour was they'd been hacked in some way.
My sister thinks she was cloned at the currency exchange at Heathrow a few years back. Bank should sort it out but still a horrible feeling
A couple of years ago the bank phoned to say the police had informed them that my card details had been found on a list somewhere - no point in sweating it, could happen anywhere anytime
Yeh I'm not particularly sweating it, but it does make you think..
Only two dubious transactions were mentioned on the phone, one for vivastreet which looks like some online classifieds site (£40) and one for Marita Nogueiras Law in United States, £4.95.. So looks like they were testing the card was a 'goer'.. There maybe more, I'll have to see tomorrow!
Recently been contacted by my card company too. Approx £4k taken from my account.
All in the UK, mostly Tesco and Sainsbury's, but also a carpet shop in South London.
All the transactions were reimbursed by the card issuer..
I actually use my card very rarely, its mostly used for buying holidays etc, but I had used it just before Christmas to buy some clothes from an online shop. Other than airlines, hotels and car hire etc. that was the cards only other use in the last 6 months.
I still don't know for sure where the fraudsters got my details, but I phoned that clothes company to suggest they may have an issue with their online payments process.
I guess when we hand over all our details to an unknown payment site then we are all at risk.
Do you have external postboxes? This was being dipped in my case of fraud. Whole area done by fake leaflet droppers.
Yeh im guessing it was a compromised online payment of some kind, but hard to say where or what.
I got done a few years back. Think it was just over a 100 identical transactions for two exact amounts each time. One was a transfer fee and the other a top up for a mobile phone. Soon adds up at 4 ish quid a go. Bank never spotted it we did 👿
I've only just this minute realised that my credit card has expired. I'd have expected a new one in the post by now but nothing has come. Rarely use the card so hadn't even noticed it had expired.
Will have to check it out at work tomorrow.
Although the post here is useless, I've had several letters for neighbours delivered to me by our cack-handed postie so it wouldn't be a surprise if it's gone missing that way...
Was your card left in the hotel room at any time while you were out ?
That's almost certainly where mine was cloned a few years back. It was a card I hadn't used in a long time before going away as its a "reserve/savings" account for emergencies etc.
We've had issues at work with Barclays the last month or so. Had two cards cloned but managed to catch them both the same day the first thing went out.
I got done a few years ago by a hack at a airgun makers near to Cambridge - they went bust not long after.
Anyway, I get an email from them saying their computer had been hacked.No other details, I thought I'd be bombarded with spam. But no, I was paying for someone else to have a go at online casinos.
I had no idea that they stored all of my card details - 1000's of others too.
How can shops get away with that - surely that is against the rules to keep details like that?
The bank refunded soon, but it is still a PITA.
EXERCISE EXTREME CAUTION WHEN THE BANK PHONE YOU UP ABOUT CREDIT CARD FRAUD
Firstly, because it might be scammers...blah blah blah...always ring the bank yourself (using a different phone)...usual precautions.
But secondly, because they might ring you when you're in the car, so you have to use the handsfree, and are accompanied by your wife, and when they go through the last fortnight's transactions asking you to confirm which are real and which are fraud, she will find out exactly how much fast food and takeaways you have been eating and you will be mightily in the shit, thinking you would rather have just got defrauded, and even known by people in your organisation who you've never even met as 'the bloke who got in the shit with his wife when his credit card got cloned' 😥
Just had mine hit, strangely on a new credit card with only six transactions, which I only used for buying petrol.
So got a good idea where mine was compermized 😉
It could be a dodgy retailer, could be the retailer bought a compromised card device, could be anything I guess, and i guess I'll never know!
I got a text alerting me initially, so I looked up online the bank number to call, the text was genuine it turns out, but i wasn't taking chances, always look up the number independently!
My credit card also got hit.
At least that's what I will tell my partner when the next statement comes in.
*hides shiney things*
I was staying with relatives in a private house, my card is in my phone wallet and is never more than 2 feet away from me..
We do PCI DSS (payment card industry data security standard) the one to really watch out for is car hire abroad - they take front and back of card, name and adress, copy of passport and you can really have some fun with that amount of data. Also sometimes card data is sat on for quite a while before being used
I blame Wiggle. 😆
Bank with Santander?
I had my credit card cloned even though I had only used it online and hadn't even opened the pin number security panel on the pin number letter.
Barclays are pretty good with spotting stuff - I've had my Barclaycard done 3 times now.
Last time I thought it might have been related to a recent Amazon marketplace transaction.
I had my credit card cloned even though I had only used it online and hadn't even opened the pin [s]number[/s] security panel on the pin [s]number[/s] letter.
Fixed that for you.
[url= https://en.wikipedia.org/wiki/RAS_syndrome ]https://en.wikipedia.org/wiki/RAS_syndrome[/url]
Just had mine hit, strangely on a new credit card with only six transactions,
one of mine was done with only 2 transactions. one was Paypal, the other was a hotel booking company.
plus an attempted €0.69 at the Dutch iTunes. That instantly blocked it. Unlike my other card where they sent me a letter asking if I'd bought 17 easyjet flights, and enough shoes online to keep Imelda Marcos shod for a year.
the one to really watch out for is car hire abroad - they take front and back of card, name and adress, copy of passport and you can really have some fun with that amount of data.
friend is convinced his was done that way. most times I've used a card for a deposit (rental car/hotel) they swipe it. he is 99% positive he saw the chap note the CVC.
Of course the rental car co and/or hotel also know with reasonable accuracy how long you're going to be away from home too. and they know the address too.
was going to mention Lancashire.
Barclays are pretty good with spotting stuff - I've had my Barclaycard done 3 times now.Last time I thought it might have been related to a recent Amazon marketplace transaction.
Funny that. I had a Barclaycard CC that I used to do the cashback on. Didn't use it for years but never got round to cancelling then I got a call from Barclaycard after some abnormal activity was viewed on my account.
They'd managed to change the address and change the card to a different one (gold or silver or something). I then started getting letters from Equifax where these people had registered in my name.
I always assumed it was an insider job as that card hadn't left my wallet for years.
It got cancelled pretty sharpish when all this happened.
one of mine was done with only 2 transactions. one was Paypal, the other was a hotel booking company.
Just reminded me, other half did a hotel booking in Leicester on a new card. Within 24 hours the bank contacted her to say the card had been stopped. She went into the bank and they checked off the suspicious transactions for shops in Leicester - bloke in the bank was certainly interested in the hotel.
Never found out if anything was investigated.
i was pleased to find that barclays had allowed a transaction ( 180 odd quid ) to go through on a card i had canceled about 6 months previously. first i knew about it was when the statements started again!
from professional and personal experience I will never use a debit card in a petrol station. They can scam my CC card as it's Visa's money not mine and will probably be spotted before I'm billed, but I don't want my current account rinsing and the hassle of trying to get the money back.
Just reminded me, other half did a hotel booking in Leicester on a new card. Within 24 hours the bank contacted her to say the card had been stopped. She went into the bank and they checked off the suspicious transactions for shops in Leicester - bloke in the bank was certainly interested in the hotel.
I was also curious about what happened when mine was done recently. I apparently tried to buy several washing machines from AO, and it wouldn't have taken a lot of detective work to get the delivery address.
Our card was skimmed one Christmas at an Indian restaurant in Holcombe Brook, Bury. We know it was there because we stupidly allowed it out of our sight for a minute and two days later a card with the name of Mrs Baig embossed on it went round the shops and spent £1700 before we realised. We showed the statement to the Police as it was almost a minute-by-minute itinerary of her last two days of fashion, food and petrol shopping but they couldn't be bothered to go and look at any CCTV.
Some things you can do:
Insulating tape over the 3-digit security number. You won't notice someone memorising/filming it but you would notice them picking at the tape.
Cover the key pad with your other hand in petrol stations because they get the pin numbers with a video camera filming your hand movements.
Use a virtual card system on line if your bank offers one (e-carte bleu in France)
Use credit transfer to buy from reputable on-line retailers. There's more risk of credit card fraud at Wobble than them not delivering.
Don't hand over your card in hotels etc.. Ask to be taken to the machine if they say it's behind the counter/in another room. And as stated above, your credit card is safer in your pocket than in the hotel room.
Let your bank know when you travel because it's a proper PITA if they cancel it and you're left with 100e for the rest of your holiday.
Edit: and as for renting a car abroad I have no idea why people do it given the risk of 1/ credit card fraud 2/ being billed for damage you didn't do 3/ winding up in jail when someone steps off the pavement in front of you and it's your fault because you're foreign. Take a taxi and negociate a cash price for where you are going before you get in. Or take a bus.
Out of interest how do the CC companies spot fraudulent use. Both mine and my wife's have been done in the last 12 months and on both occasions we've been contacted by the CC company before we'd even noticed.
Mine was mainly online shopping with Tesco and Saisbury, the wife's was all sorts of online shopping throughout the UK.
I understand that I never do online shopping with the Supermarkets, but then if I buy an airline ticket legitimately then I don't do many purchases with for example United Airlines.
What makes one or two purchases stand out to the CC from all the others?