Credit card used, but not by me!

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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.

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.

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

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?

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.

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

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?

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.

Marg75

I removed my card some time ago but then I decided to subscribe to Prime. They need my card details in order to take my monthly subscription. It's back on now, but I don't think there is any way to subscribe to Prime. Does anyone know?

You have two options. One, you would need to put your card on before the payment is made every month.
Two. Pay the yearly subscription. They will send you a reminder if you choose option two.

I removed my card some time ago but then I decided to subscribe to Prime. They need my card details in order to take my monthly subscription. It's back on now, but I don't think there is any way to subscribe to Prime. Does anyone know?

Shinamae

petra

Crossstitchfan
Do you shop with Amazon and leave your card on the site.
If yes, take it off every time you buy something.

Oh dear, I am quite worried now I shop with Amazon and it’s the only thing I use my credit card for and I’ve left my details on there for about 15 years
How do I go about taking it off and how would I pay if I do take it off?

Shinamae
There is a link above explaining how to take your card off.
To buy something just put your card on.
Don’t worry, it’s simple 😊

Shinamae

petra

Crossstitchfan
Do you shop with Amazon and leave your card on the site.
If yes, take it off every time you buy something.

Oh dear, I am quite worried now I shop with Amazon and it’s the only thing I use my credit card for and I’ve left my details on there for about 15 years
How do I go about taking it off and how would I pay if I do take it off?

I do not know how you would take it off but look at the Amazon website or google 'how to take my credit card details off my Amazon account.

I only use Amazon occasionally, so they do not have my details. I just pay by card, typing in my card details each time I buy anything. Quite often companies describe this as paying as a 'guest'. I am not sure what Amazon calls it.

petra

Crossstitchfan
Do you shop with Amazon and leave your card on the site.
If yes, take it off every time you buy something.

Oh dear, I am quite worried now I shop with Amazon and it’s the only thing I use my credit card for and I’ve left my details on there for about 15 years
How do I go about taking it off and how would I pay if I do take it off?

I am suspicious of all phone calls from my bank. If I think it is genuine, and few are, I ring off and ring them back using a number on my card or on their website.

Nowadays I never let a company keep my card details, even though I use them frequently. I prefer to go down the 'guest' route every time, even though it is more hassle.

I have deleted shop and shopify cookies. There are hundreds of cookies on my laptop. I need to get rid of most but not one by one. I`ll have to find a way without deleting all of them

I have deleted mine. You click on the card, scroll down and click on the small red box

I hate that shop had my card. I never asked it too

shop also stores your card

I am in process of deleting mine

shop.app/account

I disco ered last week that Shopify was saving card details by default. I now have to remember to go back and delete them each time as several companies that I buy from use them.

Marg75 here is how to do it.

www.amazon.co.uk/gp/help/customer/display.html?tag=gransnetforum-21&nodeId=GPVBVQ28CKHD7ZQW

Does anyone know if you have a Prime direct debit with Amazon, can you take your card details off their system?

petra

Crossstitchfan
Do you shop with Amazon and leave your card on the site.
If yes, take it off every time you buy something.

Thanks but although I do shop at Amazon, I don’t leave my details there (or anywhere else for that matter). That’s what bugged me. As an ex bank employee, I know better, but still got caught!
These criminals/scammers are getting more and more devious. I hope they rot! What annoys me is, I am pretty much on the ball but they still nearly got me!

Baggs

Did the bank stop that card and send you a new one? If not, they should have done.

You say that you were contacted by your bank. I'd be suspicious of any phone call supposedly from a bank.

When I have had any issue with a credit card, such as MrB losing his losing his which is on the same account, the bank has always issued a new card for him.

That’s for your concern. You are right of course. I was ok because I used to work at the Bank. When they contacted me, they asked me to contact the Fraud Dept, I knew what I was doing.
They have issued me with a new card and asked me to destroy the one I was using. It’s just such a pain, especially when I had done everything correctly to keep my card safe.

Natwest fraud dept will contact clients when there's a suspicious transaction. They've done it with me & with my DH, a new card issued within days so obviously genuine, but they just ring to check it wasn't you using it.They don't ask for any details from you so never give those.
Mind you, this is going back 5 years or so.Think it's up to us to keep an eye on transactions now.