credit card has been hacked!!!

[can_dice]

Ako, 3 years ago i cut all of my cards, kasi isa isang na-hack eh...  the amounts were outrageous pa!!

So ngayon, I want to apply for a new card, hirap ako.. kasi i don't have existing cards eh..

[Paparazzi]

I had a similar experience with two of my CCs. First yung isang card ko may sunod-sunod na charges from fastfood outlets across MM - from MOA, Megamall, Libis to Fairview - in two days! Tapos nagulat ako yung isa ko pang card may similar charges din. 

Sabi sa akin baka may nag-copy ng cards ko when I used it in a restaurant. True enough, the last time I used both cards was in a restaurant/grill. I gave my first card to the waiter tapos after a couple of minutes he came back and asked for another card kasi may "problem" daw sa system nila and they can't connect to the bank.

Hay. Kaya be careful when using your CCs in a fastfood/restaurants... dapat sa establishments na lang where you see them swipe it or where you can keep an eye on them when they use it.

[maryodette]

my credit card was hacked... my husband used it once to buy internet game points worth P500... tapos when i received statement of account... andami ng transcation from that merchant... at dollar rate pa... i called the bank then they told me to file a dispute... pero antagal ng investigation... lumalaki ang interest habang tumatagal.... what should I do?

[jenny_syngkit]

my card got hacked din, i got a call last night asking if I'm in Hong Kong kase my card is being used. So I said I'm here in the Phils and I have my card with me. They asked me to email a dispute letter and i-reverse naman daw nila yung mga unauthorized charges.

[changelessme]

Hubby's Debit Card got hacked late last year. The bank credited only half of the amount that has been stolen/taken which was $100.00. I was freakin' mad so we closed our account on that bank right away.

[bratinella08]

scary naman mga stories nyo sis... hope maging okay mga cases nyo...

[omneecka]

I had a similar experience with two of my CCs. First yung isang card ko may sunod-sunod na charges from fastfood outlets across MM - from MOA, Megamall, Libis to Fairview - in two days! Tapos nagulat ako yung isa ko pang card may similar charges din. 

Sabi sa akin baka may nag-copy ng cards ko when I used it in a restaurant. True enough, the last time I used both cards was in a restaurant/grill. I gave my first card to the waiter tapos after a couple of minutes he came back and asked for another card kasi may "problem" daw sa system nila and they can't connect to the bank.

Hay. Kaya be careful when using your CCs in a fastfood/restaurants... dapat sa establishments na lang where you see them swipe it or where you can keep an eye on them when they use it.

hi sis! pa-PM naman ng resto na yan. grabe, instant money (in form of cc) gusto ng mga yan, di bale digital na ngayon ang karma! nakakainis mga hackers talaga!

[WanderingShinobi]

Last year, my credit card was hacked din! I am not sure how it happened. Dalawa lang naman yung pinaka recent transaction ko during that time. One is buying stuffs from Human Nature using my credit card and I also used my card to pay my bills at Pizza Hut (forgot the branch). So I dont know where they got my card details while the card is with me. When I got my bill from HSBC, a total amount of 28k showed up and nasa GBP pa yung currency. It was used to purchase Binoculars and other stuffs from a UK online store. Anyway, HSBC reversed the charges naman, so its okay na. 

[Dminotaur]

Use Debit Cards for online purchases

[Merleks]

ewan kung nangyari na sa inyo ito. A cashier from an IT store scratched my credit card against the carbon copied sales invoice kaya nacopy ang credit card number at other info ko dun sa sales invoice. When I saw it i protested pero sabi nya normal daw nilang ginagawa yun.Now upon backreading this topic kabadong kabado tuloy ako na baka mahack din ang card ko. Ano kaya dapat ko gawin. Gusto ko na tuloy ipacut yung card.

[sette112096]

my eastwest bank cc got hacked too last april 23. nung gagamitin ko na nung apr 25 ayaw ng tanggapin. tapos nung may 7 i received a text message from EW na pinapa-confirm yung online transaction ko with bed, bath and beyond amounting to $265. grabe, na-shock talaga ako and i immediately sent them a dispute letter, as advised by the customer service rep. 45 to 60 days daw ang maximum na investigation. pero every week kinukulit ko sila. someone told me na pwedeng connected sa eastwest yung gumawa nun kasi ang dali nga naman mag-online purchase. you just need the credit card number, the expiry date and the last three digits found at the back of your card. i've been with EW for three years, sakto namang nangyari ito after i received my renewal card.

[bubblepop]

nakaka alarma naman

[freelancer_babe]

Some people really do scratch the three digits sa back ng CCs (or even debit cards na pwede sa Mastercard or VISA networks) and just memorize them. Kasi ganun, yung three digits na yun ang ginagamit sa online transactions but not for POS.

Gusto ko sanang gawin ito para safe ang card. But I'm still gathering info kung talagang ok lang. Anyway I have another CC na pang-online transactions talaga which is a sublimit of my main card and is just kept away.

[angelic_daphne]

Hi! Re: Card Verification Value (CVV) or Card Verfication Code (CVC) - 3 numbers at the back of the credit card.... is it really ok to scratch them for security purposes? anyway how about applying a sticker to hide that part? I plan on doing that however i will check if that will be okay for the merchants since they don't need that number when swiping anyway.

Sisses, be careful also when you apply for a new card and the agents will ask for your CC to be photocopied, make sure that they only photocopy the front part and NEVER the back part.

[inluvewithmikewesten]

Never happened to me at 'wag naman sana!

My Visa card is Verified, I've used it a couple of times on amazon.com. 

Metrobank has the OTP facility, when you use your CC for online shopping it will send a One Time Password to you registered mobile number, and you have to enter that OTP for the sale to push through. Haven't tried it though.

[honeybunny]

kaya ako ayoko ng credit card, masyadong complicated 

[atrabida]

grabe nakakatakot naman, ang hassle at kastressed naman kapag ganyan.

[mooncake and leaves]

Use Debit Cards for online purchases

the advice we get naman is to never use a debit card. kung debit kasi, nawala na yung pera at mas mahirap siya habulin. unlike CCs.

in the US, talamak ang identity theft. and because talamak siya, mas madali siya ayusin. usually thieves would charge smaller amounts; once it exceeds $100, according to someone i know who was also once a victim, that's when it'll get investigated.

my cc was hacked before. nakakatawa pa, i don't use that cc often and they made a purchase on itunes eh wala naman akong itunes account. hassle pero hindi ganun kasaklap yung process to contest it. i just provided an affidavit of fraudulent activity transaction and my bank issued me a new card. according to the person i spoke to, sometimes hackers chance upon numbers so minsan din kahit anong ingat mo, kung mamalasin ka, walang magagawa. in more extreme cases, like my aunt, when the company that handles her accounts suffered an ordeal like the recent problems with target, she ordered a freeze on her accounts.

malaking hassle talaga. lintek naman kasi ibang tao, hindi magbanat ng buto.

[atrabida]

sa Pinas ba madaling habulin ang mga ganyan? kapag nag dispute letter ba ok na o madugong proseso pa?

[kvan]

Use Debit Cards for online purchases

I don't do this and I don't recommend it. It doesn't stop the hacker from stealing from you. The only difference is that the money automatically comes out of your bank. Mahirap na habulin. Credit card purchases, you can always dispute.