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Credit Card Fraud

So yea it finally happened to me, I just got a call from TigerDirect asking me to verify an order for 2 piece of shit Unlocked Motorola phones totaling $170.00 which was apparently charged to my MasterCard. Best part is when i look under my CC account I see they also managed to sign up for netflix, buy something from Nordstrom & order something from some surfing store. There purchases total about $500, so I am guessing they where planning on using the card for some time.

I got in contact with my Credit Card company and they told me since the orders are pending I have to wait for them to go through and then will I only be able to get the money back.

I have never bought from fraudulent stores, the past 3 months the only charges coming to the card were from Whole Foods, Walgreens, Food Emporium and Bed, Bath & Beyond. I am really doubting that someone from those places decided to use my card, but hey you never know.

Anyone experienced something similar? Can I file a police report to get it investigated?

This happens to nearly everyone in the UK at some point. It's happened to me 3 times, my girlfriend twice.

Just deal with it, get your money back and move on.

there was a petrol station near where i live ... that was ran by people of an indian/pakistani persuasion .. and they used to give peoples credit card and bank details to their families back in spendyourfuckinmoneyistan

Yeah, it happened to me a few years ago. Some jagweed in Chicago managed to get my CC number and went on a $1000 shopping spree. It was little items, so I didn't know about it until a few months later when I get a notice saying I've went over my spending limit.

Look into my account and there it was. I went to the bank and asked them what could I do, and they said "Have you been to Chicago lately?" I told them I had stayed a weekend up there with some friends. Guy was really unhelpful and was like "Well, nothing we can do, just pay it off."

******s.

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Originally posted by [N]�k|��[Z] there was a petrol station near where i live ... that was ran by people of an indian/pakistani persuasion .. and they used to give peoples credit card and bank details to their families back in spendyourfuckinmoneyistan

yeah we have problems with them coming up the motorway from brum & trying their luck. Our local co-op is the first cashpoint they get to this way so they're always at it. Little fucks.

someone stole 5 usd from my paypal account. i've been in treatment ever since

Happened to me a few years ago. Who ever got my card number spent about $600 at pokerstars.com

When I called the bank, the transaction was still 'pending' so they just flat out cancelled it, along with my card, and sent me a new one. Never had to pay for the money they took, the bank sorted it for me

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Originally posted by Banora Yeah, it happened to me a few years ago. Some jagweed in Chicago managed to get my CC number and went on a $1000 shopping spree. It was little items, so I didn't know about it until a few months later when I get a notice saying I've went over my spending limit. Look into my account and there it was. I went to the bank and asked them what could I do, and they said "Have you been to Chicago lately?" I told them I had stayed a weekend up there with some friends. Guy was really unhelpful and was like "Well, nothing we can do, just pay it off." ******s.

if you don't look at your credit card statement every month then you deserve to have something like that happen to you.

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Originally posted by l�cid if you don't look at your credit card statement every month then you deserve to have something like that happen to you.

Never needed to look at it. I would literally charge $20 to my account once a month. Having a card and using it scared the fuck out of me, so I only needed it when I would take a cab somewhere (which wasn't often). I'd rather pay in cash that I had.

Unfortunately I didn't have extra cash on me in Chicago so I had to use the card. Guess I learned my lesson. I won't ever have a credit card again, thats for sure.

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Originally posted by Banora Never needed to look at it. I would literally charge $20 to my account once a month. Having a card and using it scared the fuck out of me, so I only needed it when I would take a cab somewhere (which wasn't often). I'd rather pay in cash that I had. Unfortunately I didn't have extra cash on me in Chicago so I had to use the card. Guess I learned my lesson. I won't ever have a credit card again, thats for sure.

there's so much wrong with that statement.

one, you should be looking at your statement every month when you pay your bill. even if you only charge $20/month you want to make sure that they aren't charging you more than your normal APR or billing you for any extra (hidden) charges. it shocks me how people will just pay their bills without ever looking at them. companies like phone/cable/internet providers commonly make mistakes and rather than taking 5 minutes to look at their bill and call for a clarification, most people would rather just pay them and forget about them.

two, credit cards are not bad. if you want good credit (which will enable you to buy a car/house/etc), you need to build your credit score and one way to do that is by having a line of credit. not to mention, it's much safer to travel with plastic than a gigantic wad of cash. credit card providers and banks will reverse negligent charges... as long as you act quickly.

Eh, I was 19 at the time as well, so I didn't really pay attention to that stuff. All my bills were on auto pay.

I still don't want a credit card, though. If I travel I keep my debit card on me. I'd rather just pay for things I know I can afford now than taking the risk of buying something and defaulting on my payments.

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Originally posted by Banora Eh, I was 19 at the time as well, so I didn't really pay attention to that stuff. All my bills were on auto pay. I still don't want a credit card, though. If I travel I keep my debit card on me. I'd rather just pay for things I know I can afford now than taking the risk of buying something and defaulting on my payments.

you'll never establish credit like that though. and it'll be hard to get a loan (another way of establishing credit) without having existing good credit in the first place

basically you're fucking yourself over in the future when you could be helping yourself out now

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Originally posted by Omega_Blue you'll never establish credit like that though. and it'll be hard to get a loan (another way of establishing credit) without having existing good credit in the first place basically you're fucking yourself over in the future when you could be helping yourself out now

But all my bills that are in my name are paid in time and in full... isn't that one way of getting credit?

I just don't like the idea of credit cards, because what if I buy something with it, I lose my job and I can't pay? That will also fuck up my credit score.

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Originally posted by Banora But all my bills that are in my name are paid in time and in full... isn't that one way of getting credit?

Not really. If you don't pay your bills, you'll get bad credit, but paying them on time won't really help your credit rating.

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Originally posted by Sushipunk Not really. If you don't pay your bills, you'll get bad credit, but paying them on time won't really help your credit rating.

God I hate this shit. I wish I was 16 again and playing video games.

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Originally posted by Banora But all my bills that are in my name are paid in time and in full... isn't that one way of getting credit?

nope. tbh a lot of bills don't positively affect your credit, but they CAN negatively affect your credit if you don't pay on time. and furthermore, from what i understand, you should have a credit history where you make consistent payments over time instead of paying it all off at once- i guess it looks better on your credit report or something (but this is all hearsay from a friend who used to work in that field)

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Originally posted by Omega_Blue , you should have a credit history where you make consistent payments over time instead of paying it all off at once- i guess it looks better on your credit report or something

Wouldn't they rather have someone pay back all the bank's money they're spending at once rather than a few dollars at a time? That makes no sense.

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Originally posted by Banora Wouldn't they rather have someone pay back all the bank's money they're spending at once rather than a few dollars at a time? That makes no sense.

The longer you take to pay off a debt, the more interest they can charge you. Obviously, that is desirable for a bank/creditor

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Originally posted by Sushipunk The longer you take to pay off a debt, the more interest they can charge you. Obviously, that is desirable for a bank/creditor

Ah, I see. Sneaky bastards!

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Originally posted by Banora Ah, I see. Sneaky bastards!

Oh yeah, they're all absolute cunts.

I'm still not too comfortable with getting a credit card. Any other ways I can boost my credit (since being a good person and paying my bills on time obviously isn't enough)?

ratio of available credit to amount charged has a lot to do with it as well... and the length of time you have a credit card open is also important. never close your first credit card. even if you're not using it anymore, the fact that you've had it for a long period of time will help your score.

quote:

Originally posted by l�cid ratio of available credit to amount charged has a lot to do with it as well... and the length of time you have a credit card open is also important. never close your first credit card. even if you're not using it anymore, the fact that you've had it for a long period of time will help your score.

It is still open, the account I mean, I just refuse to use it after what happened in Chicago. That would make that account... wow almost 4 years old.

the main reason (apart from the revenue aspect) is that you're not really proving that you can carry and manage a debt for an extended period of time if you pay it all off when you get the first statement. how my friend explained it, he (or his supervisor, or something) had to deny some girl's loan request because while she only missed, like, one payment on her bills, she lacked sufficient credit due to what i mentioned above.

again this is all hearsay and i don't want to spread misinformation in case i'm wrong.

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Originally posted by Banora I'm still not too comfortable with getting a credit card. Any other ways I can boost my credit (since being a good person and paying my bills on time obviously isn't enough)?

sucking dick.

trust me, i have an excellent credit score.

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