Service of Contagious Credit Card Theft
November 5th, 2015
Categories: Credit Card, Customer Care, Customer Service, Theft
This tale has some irritating and some hopeful, impressive outcomes.
I have a credit card I barely use and never to buy anything online, in big box stores or restaurants and there’s only one automatic monthly withdrawal. So when I got a call from the bank about suspicious purchases at White Castle in Queens [$50+]; Target in Long Island [$266] and a $9 co-pay to a doctor in North Carolina, I was surprised. The card was still in my wallet.
Two friends who live in New Jersey and Tennessee report very recent similar incidents with their credit cards. One had his new card for less than a week. The other said that this was the only card she didn’t keep in her RFID shell. I’d never before heard of such a shell, that prevents electronic scan theft, so after I checked out the link she sent me on Amazon.com–the shell she recommended cost under $8.00–I looked into the subject a bit more.
If you have a “chipped” credit card, wrote Bill Spencer on Click2Houston.com, “a card with a radio-frequency identification computer chip inside — that chip can be scanned at stores and restaurants.” He said it costs less than $100 to buy a scanning device online that works from up to 25 feet away. Spencer reported that in addition to a shell, you can also protect your credit card by wrapping it in tin foil.
Someone must have scanned my nephew’s credit card number at the airport on his way to Costa Rico as he received a text asking if he’d bought something in Puerto Rico. He hadn’t but someone else had. As he only had one card with him he asked the company to keep his card open, which they did. But the next day someone spent $1,800 so they closed it down. Moral: Travel with more than one card and wrap it in an RFID shell or in foil.
I never got my replacement card after a few weeks. When I called to report this, I entered “press one, press two” hell and kept hearing a recording about a delay in Federal payments unrelated to me or credit cards. Finally I got through to a person. Seems they had only just sent out the card—didn’t give a reason for the delay, nor could they give me the number of this card. Moral: Next time I won’t be such a good person and I’ll ask to have the replacement card sent to me overnight.
I needed the number for SaaShost.net, the company that hosts my email server, is on a monthly automatic payment plan and wasn’t paid this month. This company is buttoned up. The person I spoke with took another credit card number and once the amount cleared, deleted it from my file on my promise to call in with the new number. All this was confirmed minutes later in an email. Wow.
There’s hope that one scofflaw has been caught. While I didn’t get my new card from the bank, I did get a document regarding the Target purchase. I signed and returned it, affirming that I hadn’t authorized anyone to use my credit card.
Have you noticed or heard that such theft is happening with increasing frequency? Do you take steps to protect your cards or is the problem unstoppable so you don’t bother? Do you have tips to cut down on the time lost to mop up after such incidents?