credit card has been hacked!!!

[aquacharly]

1 time in the office, the credit card company asked to speak with me and asked:  Ma'am, where is Mr. ___  (hubbie) now?  I replied:  Sitting across the room in front of his desk.  Why?  Apparently someone was using his card big time, the past 3 days in Indonesia.  What triggered the inquiry was that on 1 day,  his card was likewise being used in Turkey -- in an unending series of shopping.

We have been subjected to fraudulent card use so many times,  usually after overseas trips.  Good thing we have card fraud insurance.  And i make it a point to inform the card company of our departure and expected return dates; as well as the countries/cities we will be hitting.  When we get back,  I write the card company that we have returned and I also give details of our last credit card use.  That protocol has saved us a lot of headaches in proving that certain card charges are fraudulent.

Hubby asked me why it never happens that when we are abroad,  the cards are fraudulently used.  I said perhaps because while we are using it and the fraudulent party is also using it -- baka magkasabay or it appears in the computers it is physically impossible due to different locations -- so aabangan yan and huli!  Definitely,  kami makaka alpas.  Credit card crimes are dealt with harshly, specially in 1st world countries -- kasi napaka hirap mahuli eh.

The latest info how our critical data is taken -- is that the magnetic hotel cards contain the room no.  our name as well as our credit card data.  Some hotels ask for the return of the cards upon check out.  The danger lies in there if the data is not overwritten immediately -- someone can simply bring these home and scan the data thereon.  It is said that when asked for the return of the magnetic hotel room cards -- refuse, as in refuse.  It is unlawful pala for the hotel to insist on the return of the hotel room cards.

[cher.liman]

Good idea, i will have my cards photocopied, ang hirap din kasi to keep track lalo na if u have a lot of cards and a lot of purchases.

[kvan]

For Visa and Mastercard, you can enroll in Verified by Visa or Mastercard Securecode to require password on your online purchases.

[cati]

^is the service free of charge for mastercard securecode? thnks for this info

^^^ yup sis i'll bear that in mind.....calling the card company and informing them about the purchases abroad

[kvan]

^It's free to register with both Verified by Visa and Mastercard Securecode.

[aquacharly]

Sorry, forgot Sis CATI --  pagdating mo,  xerox the cards you used abroad together (same sheet ha) with the last credit card slip charge for each card -- tapos I have it faxed with the notation na --

                   Please fax back to (my fax no.) if these sheet/s
                   received  clear and complete

Xerox the fax that is faxed back to you -- andun ang fax number ng credit co. -- and
          file this proof that you informed them you are back.

Of course, best to send a copy of the fax by messenger (to be duly received) some day too.

But it is okay to just fax and confirm with someone in that card company on the phone.

Ngayon, specially pag sa East Coast or Europe (ewan ko bakit ganon basta ganon) -- delayed ang appearance ng charges -- so you have time to list down the dates and stores (even country kung lumipat lipat ka)  where you used your card.  Give the card company a list of this -- so kasi kung minsan pa-clear pa from abroad certain charges -- eh nababara agad mga fraudulent charge dito.

[fickle_minded]

kakatakot talaga ma-hacked. Last time na umuwi ako pinas, I see to it na kasama ako sa pag nagsswipe. Bakit [textspeak!] ibang establishments kailangan pa g ID and vine-verify muna yung card sa loob ng room, like nung nangyari sa kin sa watsons, grabe medyo nagalit pa yung husband ko kasi dinala pa sa room ng OIC para i-check daw, ang tagal pa kaya nag-alala nako, then nung ok na sya, i-sswipe na, nag-failed, syempre nagalit ako dahil bakit kailangan pa i-verify yung card ng di ako kasama. Di ko alam kung ano nangyari nun, basta kinuha ko mga names nila para just in case na meron sila nagawa, sila hahabulin ko =)

Ganun ba talaga style sa pinas? Tapos yung PIN number, sila din ang magpipindot, e diba secret number yun? Pwedi kaya mag-complaine kapag ganun ang patakaran nila?

[gumdrops26]

^di pwde sakin yun! PIN ko ako magpunch in! If they don't want my business, I'll take it elsewhere!

[chiqmom]

grabe katakot naman ito

[A L L U R E]

yung credit card ko, may service na may magsesend ng SMS after ng transaction kaya ok

[prettynvain]

credit card namin ni hubby naka-enroll sa verisign at securecode. tapos pag online transaction naman, di agad mapupurchase kasi need to verify pa with the bank, tapos a bank agent will call us to confirm yung transaction, then saka pa lang macharge.

[summer02]

For Visa and Mastercard, you can enroll in Verified by Visa or Mastercard Securecode to require password on your online purchases.

sis i checked their website Mastercard Securecode. Walang option na Philippines? 

[kvan]

^Wala pa ba? Actually, etong Mastercard ng banko ko two weeks ago lang nagkaron ng Securecode.

[angeleyes]

kakatakot talaga ma-hacked. Last time na umuwi ako pinas, I see to it na kasama ako sa pag nagsswipe. Bakit [textspeak!] ibang establishments kailangan pa g ID and vine-verify muna yung card sa loob ng room, like nung nangyari sa kin sa watsons, grabe medyo nagalit pa yung husband ko kasi dinala pa sa room ng OIC para i-check daw, ang tagal pa kaya nag-alala nako, then nung ok na sya, i-sswipe na, nag-failed, syempre nagalit ako dahil bakit kailangan pa i-verify yung card ng di ako kasama. Di ko alam kung ano nangyari nun, basta kinuha ko mga names nila para just in case na meron sila nagawa, sila hahabulin ko =)

sis nangyari na sa akin yan sa watson's...5,000 pesos lang yung purchase ko...pero dinala pa nila sa OIC daw yung card....na pagkatagal tagal....kelangan daw nila iverify.... ganun yata SOP nila sa watson's, hassle lang sa customer.....

[loverboy]

this happened to my mom. someone purchased a plane ticket to macau online using her cc. na reverse naman niya yung charges pero sobrang hassle. her card was replaced too.

[pvie]

hi... tanung ko lang panu magregister sa verisign and securecode.
recently purchased items online kasi for my asian trip.
althouhgt di pa nagyayari but mas mganda ang prevention.

pls. advise kun gpanu thanks in advance

[lelila]

sa officemate ko, she was shocked when she received her statement, there's a 25k charge sa credit card nya. used for buying ticket at cebu pacific airlines.

update:

citibank reversed the charges, finully pay kase ng officemate ko yung buong balance nya except for the 25k.

[ms_pring]

They make a copy of the card itself kaya ingat tayo sa pag abot ng cards natin sa mga establishments, maganda sana na makita natin na i-swipe. For internet purchases have a separate card, meron yung BPI na card specially for this

Anong card po yun?

[illumina]

^ sis, yung e-credit line ng BPI.
parang same line din siya nung CC mo because it will be included in your statement of account, but it uses a separate number from your original CC, so your whole credit line won't be compromised. You can adjust the credit limit to your convenience. Online purchases mo lang siya pwede gamitin.   

[ms_pring]

^ahh ang galing naman. Thanks sis kailangan ko siguro nito.