Stolen credit card. AAARGHH

[GOONR]

Mrs GOONR's bank sent a new credit card sent out in the post, it was stolen from the letter box.

Now the little shites are using it. We have told the bank, infact the bank phoned the missus when it was first used, she told them that she hadn't even seen the card. Everytime the card is used the missus has to phone the bank's fraud dept. let them know and they credit the amount. The card is only being used for small amounts and they just sign for it instead of using a pin.

Anyone else had this happen, how the hell do you stop it.

What a pain in the arse!

[Nasty]

How silly .... my card was used for fraud ... it was cancelled immediately .. and no longer able to be used ... ask the bank why they insist on keeping it open. That is what you need to find out.

[DJSin]

I would have thought the bank would have cancelled the card so that it can't be used

[GOONR]

How silly .... my card was used for fraud ... it was cancelled immediately .. and no longer able to be used ... ask the bank why they insist on keeping it open. That is what you need to find out.
When the bank called to let her know that a new card was being used she told them she hadn't even seen the card and it should be cancelled. The phone calls to the bank confirm it's been cancelled, but is still being used. It is driving Mrs GOONR nuts.

[monkeymcbean]

Bummer! Yeah i always have had a slight unease about banks sending out new credit cards to your letterbox, im sure you can have it arranged that you pick up the card from the bank when it is about to expire.

Seems a bit loose when, fortunately, i mentioned to the bank in passing, i was going overseas for trip and it was a bit of to do, as they wanted to know which states id be visiting so they could keep a eye on card transactions and if it was stolen and used out of the areas mentioned they would cancel it, was a bit annoying really, but they would of cancelled it if they could see it was being used overseas, and I had of mentioned i was going there.

[Nasty]

When the bank called to let her know that a new card was being used she told them she hadn't even seen the card and it should be cancelled. The phone calls to the bank confirm it's been cancelled, but is still being used. It is driving Mrs GOONR nuts.

What bank you with .. once a card is cancelled it can't be used .. that is the whole point ... seems like they are giving her a rawe deal all right.

[GOONR]

Bummer! Yeah i always have had a slight unease about banks sending out new credit cards to your letterbox, im sure you can have it arranged that you pick up the card from the bank when it is about to expire.

Yeah, same. The bank that I am with (ASB) allways send my new cards to my local branch for pick up, way safer.

[Nasty]

Yeah, same. The bank that I am with (ASB) allways send my new cards to my local branch for pick up, way safer.

I am with ASB too .. its makes a difference.

[GOONR]

What bank you with .. once a card is cancelled it can't be used .. that is the whole point ... seems like they are giving her a rawe deal all right.That is what I thought, even if you sign for the transaction it still has to be approved (EDIT: by the bank), right??

National Bank.

[Owl]

I don't quite understand that. I've never had one stolen, but I've lost several.
Phoned the bank to cancel the card and all sorted immediately. I once found my card within 30 minutes of phoning the bank and I was told, once cancelled, it cannot be reversed. They even go through the last transactions to determine the cut-off.

[Robert Taylor]

I lost my credit card out of my pocket ( I think it dropped out ) while in Italy a couple of years back. Overnight there had been approximately 5k worth of suspicious looking purchases on it and the credit card team in Australia that monitors this sort of thing had automatically cancelled it before I realised it was missing.

[GOONR]

I lost my credit card out of my pocket ( I think it dropped out ) while in Italy a couple of years back. Overnight there had been approximately 5k worth of suspicious looking purchases on it and the credit card team in Australia that monitors this sort of thing had automatically cancelled it before I realised it was missing.These little buggers haven't spent over $50 in any single transaction, I reckon they know what they are doing, it's just a question of does the bank!.

[TimeOut]

Why when you have a pin on your card can't they make it pin only?

[ynot slow]

In this day and age you'd think once a card is reported stolen,the next time it is used a flaffed message could come up on the eftpos machine so the operator knows it is stolen.

TSB makes you pick up and sign the card,then you can add pin to it if you wish.

[JMemonic]

Its the sillyness of the people accepting the cards that one has to wonder about, if the card does not work ing the machine and the system is operational then the card is not used, the old paper system is supposed to be only used if the eftpos terminal is down, however per haps the bank is waiting for the users to slip up and reveal themselves in some manner.

[Paul in NZ]

I lost my credit card out of my pocket ( I think it dropped out ) while in Italy a couple of years back. Overnight there had been approximately 5k worth of suspicious looking purchases on it and the credit card team in Australia that monitors this sort of thing had automatically cancelled it before I realised it was missing.

Damn - I'm really vunerable then, I use my credit card for all sorts of suspicious purchases....

[xwhatsit]

Why when you have a pin on your card can't they make it pin only?
The new cards (the `chip' cards, they're a Smartcard system) can do this. Of course if you tell a really convincing story to the lass in the shop you can get her to punch in the card number and pin manually into the machine. I work in a restaurant while I study and if you're doing a delivery over the phone then you need this so you can take a credit card over the phone. Also many tourists (esp. Australians) are surprised when they come here and their credit card wants a pin... which they've never used and don't know... so you have to punch it in manually.

Its the sillyness of the people accepting the cards that one has to wonder about, if the card does not work ing the machine and the system is operational then the card is not used, the old paper system is supposed to be only used if the eftpos terminal is down, however per haps the bank is waiting for the users to slip up and reveal themselves in some manner.
Are you talking the old `swipe' system which takes an imprint? That's not the case. With an old-style card (the normal non-chip sort), you hit credit... either then you type in a PIN, or you press enter and it'll print out a receipt to sign. The machine will then ask `signature OK?' and the operator is supposed to check the signature matches that on the card. If it's OK they hit `yes' and it'll finalise the purchase and print another receipt. Nine times out of ten whoever's behind the till doesn't check the signature and hits `yes' straight away (I've had people get a little smart with me before for checking the signature... I suppose it gives the impression one doesn't trust them perhaps).


It's odd they didn't cancel it. Perhaps they're letting them continue to use the card (and refunding the purchases) so as to let them carry on using the card, until they can catch them in a suitable situation? I remember a similar thing happened with my mum a few years ago when her handbag got nicked. They waited until the (not very bright) lady-thief came into the bank and made a very poor false signature and called the police then and there. That was a week or two after the theft.

[monkeymcbean]

With my credit card i have a pin, on the signature part, ive signed it, then over top with heavy black marker witten "ask for I.D.". Seems to work as no one can sign for it, so they need to know the pin number. I can still sign but the shop or whatever needs to ask for ID like drivers license with picture on it, but mainly i use a pin number always.

[sunhuntin]

my cc has a pin, but whenever i try to use the pin in a shop, it comes up declined, so i have to sign for it. the pin only works in holes in the wall.

while at work i went into the shop next door today wearing my uniform. the chick declined my cc as my sig is faded. silly bint! who would be dumb enough to use a stolen card while wearing a work uniform? needless to say, she lost a sale there, and will likely lose more. the chick that was on before her accepted it just fine, so i dont see the problem.

[davereid]

my cc has a pin, but whenever i try to use the pin in a shop, it comes up declined, so i have to sign for it. the pin only works in holes in the wall.

while at work i went into the shop next door today wearing my uniform. the chick declined my cc as my sig is faded. silly bint! who would be dumb enough to use a stolen card while wearing a work uniform? needless to say, she lost a sale there, and will likely lose more. the chick that was on before her accepted it just fine, so i dont see the problem.

Yep, PIN SHIMN, never works, pig of an idea, always end up ignoring the PIN request and just pressing ENTER to get the SIG OK ? message instead.

I have just read my card details - once I inform the bank its been flogged, its their problem.

Even before I tell 'em it actually not all my problem, but seems to be a bit if grey there !

Mental note to keep a better eye onna card !

[GOONR]

Perhaps they're letting them continue to use the card (and refunding the purchases) so as to let them carry on using the card, until they can catch them in a suitable situation?

That is what I think, the card is being used for alot of taxi's, taxicharge. I'm guessing that eventually they will slip up with the pick-up drop-off address.

[jono035]

I had a workmate tell me a story about a bank sending his parents a bill for a couple of purchases charged to a credit card that had been cancelled a year or 2 earlier... Didn't have to pay it but still a bit strange!