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Friday, July 25, 2008

#461 Be Careful with your credit card

Be sure to read Scene 3 Quite interesting.


This is a new one.

People sure stay busy trying to cheat us, don't they?

A friend went to the local gym and placed his belongings in the locker.
After the workout and a shower, he came out, saw the locker open, and thought to himself, 'Funny, I thought I locked the locker.

Hmm, 'He dressed and just flipped the wallet to make sure all was in order.

Everything looked okay - all cards were in place.

A few weeks later his credit card bill came - a whooping bill of $14,000!

He called the credit card company and started yelling at them, saying that he did not make the transactions.

Customer care personnel verified that there was no Mistake in the system
And asked if his card had been stolen.

'No,' he said, but then took out his wallet, pulled out the credit card, and yep - you guessed it - a switch had been made.

An expired similar credit card from the same bank was in the wallet.

The thief broke into his locker at the gym and switched cards.

Verdict: The credit card issuer said since he did not report the card missing earlier, he would have to pay the amount owed to them.

How much did he have to pay for items he did not buy?

$9,000! Why were there no calls made to verify the amount swiped?

Small amounts rarely trigger a 'warning bell' with some credit card companies.

It just so happens that all the small amounts added up to big one!&nbs p;


A man at a local restaurant paid for his meal with his credit card.

The bill for the meal came, he signed it,and the waitress folded the receipt
And passed the credit card along.

Usually, he would just take it and place it in his wallet or pocket. Funny enough, though, he actually took a look at the card and, lo and
Behold, it was the expired card of another person.

He called the waitress and she looked perplexed.

She took it back, apologized, and hurried back to the counter under the watchful eye of the man.

All the waitress did while walking to the counter was wave the wrong expired card to the counter cashier, and the counter cashier immediately looked down and took out the real card.

No exchange of words --- nothing! She took it and came back to the man with an apology.


Make sure the credit cards in your wallet are yours.

Check the name on the card every time you sign for something and/or the card is taken away for even a short period of time.

Many people just take back the credit card without even looking at it, 'assuming' that it has to be theirs.



Yesterday I went into a pizza restaurant to pick up an order that I had called in.

I paid by using my Visa Check Card which, of course, is linked directly
To my checking account.

The young man behind the counter took my card, swiped it, then laid it on
The counter as he waited for the approval, which is pretty standard procedure.

While he waited, he picked up his cell phone and started dialing.

I noticed the phone because it is the same model I have, but nothing seemed out of the ordinary. Then I heard a click that sounded like my phone sounds when I take a

He then gave me back my card but kept the phone in his hand as if he was still pressing buttons.

Meanwhile, I'm thinking: I wonder what he is taking a picture of, oblivious to what was really going on.

It then dawned on me: the only thing there was my credit ca rd, so now I'm paying close attention to what he is doing.

He set his phone on the counter, leaving it open.

About five seconds later, I heard the chime that tells you that the picture has been saved.

Now I'm standing there struggling with the fact that this boy just took a picture of my credit card.

Yes, he played it off well, because had we not had the same kind of phone, I probably would never have known what happened.

Needless to say, I immediately canceled that card as I was walking out of the pizza parlor.

All I am saying is, be aware of your surroundings at all times.

Whenever you are using your credit card take caution and don't be

Notice who is standing near you and what they are doing when you use your card.

Be aware of phones, because many have a camera phone these days.

When you are in a restaurant and the waiter/waitress brings your card and receipt for you to sign, make sure you scratch the number off.

Some restaurants are using only the last four digits, but a lot of them are still putting the whole thing on there.

I have already been a victim of credit card fraud and, believe me, it is not fun. The truth is that they can get you even when you are careful, but don't make it easy for them.



bronxbt said...

hey jack,
*shudder* over the story of credit card evil. i rarely even carry mine anymore, and since it's evil and i shouldn't use it, i'm reasonably protected.

my debit card has a weird thing on it that, well, basically HABITS of spending are tracked. a leetle"big brotherish" to be sure, but if something starts happening, (like big dollar stuff) they are flagged and i'm alerted, whether the transactions are in-state or not. (even online)

kinda cool. worth the free price in my book since fraud is so common.

anyway, great post, and YESH, they are romas according to the little tags and the lady at the store. if not, i'll still chop 'em up or dice accordingly.

nom nom nom


Skunkfeathers said...

Yeah, scams are all over, and the proliferation of cell phone cameras plays well into it.

There's no turning your back on anyone these days.

bronxbt said...

thanks for your input on my site regarding my recent entry, jack.

always good to have you in my corner, protecting me from the possibly damaging effects of a mean horlick.



Hale McKay said...

I deep-sixed all of my credit cards several years ago - your post has confirmed that I did the right thing.

BUT - I do have a bank debit card - AND I am very careful with it.

The Phosgene Kid said...

It will only get worse as people become more desperate. Even banks a re failing - not a good sign of things to come.

Polly said...

1 Thanks for the heads up Jack, as usual
2 Pity we have to be so suspicious
3 If we ( ie USA) had a better social security system for the poor maybe this type of thing would not be on the increase
4 What would YOU do if you had to find another few dollars to look after your loved ones?
5 We are so quick to be offended but so slow to work out why such things take place
6 "He who steals my purse steals trash".

Paula said...

People really have to be on their toes theses days. I try to never let my credit card out of my sight but I have to admit it never crossed my mind that someone might actually replace it with a identical out-of-date card. When I do draw cash from an ATM I always cover the keypad and looked behind me to see if anyone is looking.