About two months ago I got an email from Netflix telling me that my card on file didn't work and I needed to use another one. End of the month rolls around and apparently someone in Texas bought lots and lots of gasoline and groceries using my credit card number (note: I've never lost the physical card) and was crazy over my limit (thus why Netflix didn't go through) and my bank didn't catch it.

Two months later, I just got my replacement card but I'm still not 100% sure my bank has credited everything back properly and crossed all the t-s and dotted all the i-s.

Two questions:
1) Should I file fraud alerts w/ the 3 bureaus... or is that only for when your your entire identity, social and all, has been compromised.

2) What are all the areas I need to make sure my bank has taken care of? Obviously, I want to make sure that the fraudulent charges, associated bank charges, etc. have been accounted for, but how can I make sure that for the last two months they weren't automatically reporting to the credit bureaus that I was crap ton over my limit and not paying my bill?

Any other considerations?

12/8/2008 6:38:06 PM

First: you should post this in the lounge

Second: since you didn't do 1) i would suggest asking for it to be moved.

12/8/2008 6:41:43 PM

Well I figured since this was financial and all...

12/8/2008 6:42:32 PM

The Soap Box: solving your personal financial problems since 2001.

12/8/2008 6:42:39 PM

Quote :

"Well I figured since this was financial and all..."

wut

soap box sure as fuck isn't financial help. it's ranting/raving/arguing over political issues and shit like that. perhaps read the description of the sections next time?

[Edited on December 8, 2008 at 6:56 PM. Reason : asdf]

12/8/2008 6:56:01 PM

How can yall get mad at her when she's so cute though?

12/8/2008 7:02:19 PM

Quote :

"perhaps read the description of the sections next time?"

"The Soap Box
politics, social issues, financials. basically anything serious."

ass.

12/8/2008 7:12:59 PM

maybe the OP should spend more time reading the actual content of TSB

12/8/2008 7:30:34 PM

I'm guessing this is a case where someone with physical access to the card copied the data from it and made their own card. I can't think of any other way to buy gas. Dealt with any sketchy acting waiters lately?

12/8/2008 11:41:38 PM

1.) yes, file alerts
2.) keep on top of your bank to make sure you get your money back, and ask about reports to credit bureaus. You may need to call the bureaus as well.
3.) come on over to big papa, and I'll take care of you

12/8/2008 11:47:47 PM

Quote :

"Dealt with any sketchy acting waiters lately?"

Funny thing is, it's just a backup card that I rarely use. I have a debit card from Capital Bank and a AMEX that I use considerably more often than this Visa.

^ Thanks... the boat yours? We might be in business...

12/9/2008 12:27:05 AM

lol big papa

12/9/2008 12:29:37 AM

^^yes ma'am

and people can get your card a number of ways these days. common ways:
- ID theft of some type/level
- electronic security breaches of stores/banks (seems to be popular today)
- card readers (if you ever gave your card to someone to swipe, they could take it a swipe it through a card reader and pull your information. This happens mostly at restaurants, where your card is taken out of your view.
- keylogger, phishing, etc (using your cc online)

and there's plenty more. so it's not uncommon for a rarely used card to get its number & info stolen. obviously the chances go up with use. my dad has run into the same thing. In his case, we still aren't sure how his info got stolen, but it was stolen and then sold to some guy in durham. that guy used it to rent a car, by having a guy on the inside of the rental company (just gave him the number, nothing else), and then committed several crimes.

12/9/2008 7:10:43 AM