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Scams and fraud

Credit card used, but not by me!

(36 Posts)
Crossstitchfan Sat 09-Aug-25 17:24:16

Yesterday I was contacted by my bank who said they had intercepted unauthorised use of one of my Credit cards.
(The Bank had refunded the money). The strange thing was, the card used is locked in my safe. I only use it for occasional on-line purchases.
This made me think.
I didn’t know thieves could use my card if it was actually locked away, especially as I hadn’t used this particular card for weeks I had heard of card details being accessed through a handbag or pocket but I thought that to buy goods you either had to have the card on you, or at least, know the pin. The Bank told me this is not the case and the thieves could have accessed my details by hacking into sites where I had given them.
Maybe most people know this. I didn’t so I thought it was worth passing on.
They’re clearly out to get us!

Cadenza123 Mon 01-Sept-25 15:14:40

If your card is used fraudulently the credit card company will reimburse you. Happened to me over the weekend. It's so annoying. The company have emailed me today thanking me for the business.

Delila Mon 01-Sept-25 15:26:05

Crossstitchfan, this is intriguing. As you have worked in banking yourself and have a good idea of how things work, can you think of any way at all that your card could have been used fraudulently? You keep it locked in a safe and don’t save your card details where you shop online - what hope is there?

Do you think some fraudster has invented a random card-number generator? Did your bank offer any suggestions?

Delila Mon 01-Sept-25 16:04:16

Could you have made an online payment using open wi-fi provided, say, in a café?

petra Mon 01-Sept-25 16:15:41

Delila

*Crossstitchfan*, this is intriguing. As you have worked in banking yourself and have a good idea of how things work, can you think of any way at all that your card could have been used fraudulently? You keep it locked in a safe and don’t save your card details where you shop online - what hope is there?

Do you think some fraudster has invented a random card-number generator? Did your bank offer any suggestions?

The majority of data breaches are happen because of bad housekeeping. This means companies don’t maintain their security systems. That’s if they have one on their systems.
Ideally the security should be built in when the program is being developed. But this takes time and money of which some companies don’t want to pay for and don’t want to wait for their product.
In the tech world rumour has it this was the problem with the M&S.

Delila Mon 01-Sept-25 16:43:15

Petra, but the OP says she keeps her credit card locked in a safe and doesn’t store her card number with stores when she shops online.

Are you saying that paying by card online is open to fraud even when your credit card details aren’t saved on the store’s system?

Marg75 Mon 01-Sept-25 21:59:14

Petra thanks, I may consider the yearly payment and take my card details off.

Piatkow Sun 07-Sept-25 19:12:38

And now another attempt on my card. First a call from the "fraud department" then a genuine text from the card issuer about a new online transaction. Fraudster then asks me to read out the one time authorisation code. NEVER do that.

Starting to feel paranoid about wven using a parking app.

Piatkow Mon 08-Sept-25 09:30:53

Talking to my card issuer today I discovered that they had a record of who had saved my card number. He read back to me some where I hadn't explicitly saved the card.

Dhabispell Fri 12-Sept-25 17:15:50

Message deleted by Gransnet for breaking our forum guidelines. Replies may also be deleted.

Fairislecable Fri 12-Sept-25 17:18:10

Reported