Credit Card Theft

Post subject: Credit Card Theft
Guest: Rain
Posted: Wed May 11, 2005 7:41 pm

I'm now officially a statistic! Some **** bought a 1600 computer system from dell UK with my amex card. Luckily I check my (extremely limited) finances almost daily and spotted it immediately. I called Amex and reported this.

Is there anything else I should do to help speed things?

I think I even know who stole the number ! This is a very new card, so only used a few times. Grocery store purchases are self-swiping so shouldn't be the problem. The fraudulent transaction was listed as a 2005-05-05 transaction. On 2005-05-03 I took a cab ride and instead of swiping it at the end, cab driver copied the number. I was rushing so didn't do anything, but I made a mental note to remember in case he charged a lot more...but the cab ride transaction posted fine. Just that days later this UK charge suddenly posted.

Ugh I hate evil people! Why not just work and actually earn your living instead of sponging off others? Grrrr!

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mouse
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: Credit Card Theft
Posted: Wed May 11, 2005 8:33 pm

Give AMEX all the information on the CAB you have...

("IF" you think that is the only place it could have happened)

AMEX SECURITY WILL INVESTIGATE ALL INFORMATION YOU GIVE THEM

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Guest: rain
Post subject: Credit Card Theft
Posted: Thu May 12, 2005 6:38 pm

Yep I think its reasonable to think that's one of the very few possible leaks. Thanks I've called Amex and they said they'd add a note to my file about the cab driver suspicion.

Not sure what else I can do except wait.

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Guest: CreditCardGuru
Post subject: Credit Card Theft
Posted: Thu May 12, 2005 7:04 pm

I NEVER pay with my card if it is not swiped or used Online....I don't trust anybody with that stuff anymore especially since ID Theft....I got cheated one time giving my number over the phone to a pizza joint!!!
I'm the Credit Card Guru, YOU BET

Capitol One and Online Payment

Post subject: Capitol One and Online Payment
Guest:credithelp
Posted: Sat May 07, 2005 11:18 am

For those with capital one cards, did you payment address change? Just curious since mine used to be virginia but now the new address is in charlotte nc.

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Guest: guessindigo
Post subject: Capitol One and Online Payment
Posted: Sat May 07, 2005 4:47 pm


Now that you mention it I noticed the address used to be seattle, but is now city of industry

?????????????????? Whats up cap1??????????????????

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Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: Capitol One and Online Payment
Posted: Sat May 07, 2005 5:16 pm

PAY ON-LINE IT DOESN'T MATTER WHERE THE ADDRESS IS!!!

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Guest: Ira
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: Capitol One and Online Payment
Posted: Sat May 07, 2005 11:25 pm

Mouse, that's simply wrong!

I pay all my bills on line from my checking account. It's my responsibility to tell my bank where to send payments. Most payment arrangements are electronic these days, but there are instances where they have to send a paper check. If the payment address changes, or as sometimes happens with bank mergers and takeovers, if the account number changes, it's my responsibility to keep my payment information up to date.

Eternal vigilance keeps the finance charges away!

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Guest: CreditCardGuru
Post subject: Capitol One and Online Payment
Posted: Sun May 08, 2005 2:00 am

I think they are changing because I live in North Carolina, and my cousin works at Capital One and he was telling me I might be able to get a job in Charlotte with them!!! I've been to Charlotte a few times, a lot of banks are headquartered there...Wachovia, Bank of America, BB&T is headquartered in North Carolina also in Wilson, NC. McLean, VA and VA also have a lot of financial headquarters.....also a lot of companies period. My cousin used to work for AOL and I've been to their headquarters....he works in marketing. I hope knowing my cousin a lot of stuff will change at Capital One since he recently switched from AOL to them....I know when he was at AOL things started to change a lot...right before he left he made AOL's dial-up plan go down to 19.95/month. He used to work for Citi Financial when he was 16!!! So financial business is kind of in my blood!
I'm the Credit Card Guru, YOU BET

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Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Post subject: Capitol One and Online Payment
Posted: Wed May 11, 2005 4:36 pm

"IF" you didn't get my DRIFT, IRA...CAPITAL ONE has ON-LINE PAYMENTS (FREE) ON THEIR WEB SITE

NOT GOOD ENOUGH FOR YOU??? IT'S GOOD ENOUGH FOR ME!!!

SAME DAY CREDIT (if paid by 3 pm NYC TIME)

Online payments made before 3:00 P.M. Eastern Time Monday through Saturday will post to your account the same day. Funds may be available the next day.

Online payments made after 3:00 P.M. Eastern Time Monday through Friday will post the next day. Funds may be available the following day.

Online payments made after 3:00 P.M. Eastern Time on Saturday and anytime Sunday will post to your account Monday. Funds may be available Tuesday.

Online Payments are not processed on Thanksgiving Day, Christmas Day, and New Year's Day.

The availability of funds may be delayed at Capital One's sole discretion to ensure payment in good funds.

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Guest: CreditCardGuru
Post subject: Capitol One and Online Payment
Posted: Thu May 12, 2005 7:07 pm

I prefer online payments myself, I don't trust BillPay as it made my electric bill late one time with an old bank.
I'm the Credit Card Guru, YOU BET

Find A Good Visa Card

Post subject: VISA cards
Guest: Credit Card Guru
Posted: Mon May 09, 2005 10:22 pm

I'm looking for another VISA card that is fairly decent. One from a decent bank.....if you know if a good place other than Chase, Bank One, Capital One, or Bank of America, please post it.....I already have cards through those banks and do NOT want another account there.....I really wish Citi had a VISA that wasn't student. I just had a really bad experience with a MasterCard fraud claim in the past, so I try to stick with VISA now.
I'm the Credit Card Guru, YOU BET

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Curtis Arnold
Board Monitor
Post subject: Find A Good Visa Card
Posted: Tue May 10, 2005 8:29 am

Hmmm...have you checked our "Card Reports" section:
http://www.cardratings.com/formfr.html
Let us know what you find!


Guest: CreditCardGuru
Post subject: Find A Good Visa Card
Posted: Tue May 10, 2005 7:55 pm

Yes, but I've noticed when it comes to consumer reports people are more likely to complain than to praise something, that is why I am asking for personal recommendations from people on the board.
I'm the Credit Card Guru, YOU BET

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Curtis Arnold
Board Monitor
Post subject: Find A Good Visa Card
Posted: Wed May 11, 2005 9:39 am

The link I gave you is actually to our staff reviews...not our consumer reviews.



Guest: CreditCardGuru
Post subject: Find A Good Visa Card
Posted: Wed May 11, 2005 2:23 pm

Oh, okay. That would probably be much better coming from people who know credit instead of those people who assume things and end up finding out they screwed up. But it would be nice to have people just list some cards.....I wish I could get the Compass card but that is out of the question as they don't market in North Carolina.
I'm the Credit Card Guru, YOU BET

Also I want straight-up offers.....not those cards that go through MBNA...Indivualized Card Services.....seems MBNA wants to deny me anyways, but I would really like their card. I'm newer to credit as I'm young and having the couple cards I have makes it hard somewhat versus just having the one I used to because they see "new accounts", but I would like to balance transfer if I get a huge limit. I'm good with my credit too, six months after my first card I was getting offers...LOL. Acutally me and a friend are in a credit score competition and I hate to be the loser!
I'm the Credit Card Guru, YOU BET

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Guest: Daniel
Post subject: Find A Good Visa Card
Posted: Wed May 11, 2005 5:57 pm

Well I have about 25 of them… lol

Citis Drivers edge card is offering 0% for 12 months with a plethora of others.
I have several Citi accounts and they have been nothing but professional.

If you have a young credit file without other high limits accounts then perhaps a credit union might be a better choice for a larger limit.

Didn’t you mention that you research credit cards for your customers at Bank of America?
Perhaps that in branch reward card you brought up in another post might give a larger limit because you’re an employee and offer rewards as well.

All depends on your goals




Guest:CreditCardGuru
Post subject: Find A Good Visa Card
Posted: Thu May 12, 2005 7:13 pm

B of A won't give to me for "too many recent accounts" as I just started building my credit recently after the ID theft problem and in that crap I lost my old co-signed card I had on report which was GOOD and that would've helped sicne I had that at 16 and now I am almost 20. I don't want any MasterCards...I had trouble with a MC fraud claim before so I stick with VISA. I have a BofA card anyways, a student card since I was going part-time to a technical school....alongside that I have a Capital One GO Miles card, Chase Platinum, and Bank One Amazon Platinum card. The highest limit I have it 4,000, but I really went to get one with a decent limit, more than 1,000 and ALSO have a good APR....the Chase has a crappy APR as I got it on the verge of new credit.....if there was a way to get that account closed or whatever and apply again for another one and get it I would like that......but I am having trouble for the new accounts thing and also credit history not established for a long enough time frame. MBNA would be nice, but they are hard to get with, so alongside the companies I already deal with and MBNA minus Citi I would like opinions on other cards besides those....and as for Citi I think they don't want to give me a card since the person who did ID Theft on me had a Sears MasterCard in my name issued through them or if they did they would want too much information, which I don't like just handing all my personal information out.
I'm the Credit Card Guru, YOU BET

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