Funniest case of Credit Card Fraud - and it happens to me! - HotUKDeals
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Funniest case of Credit Card Fraud - and it happens to me!

T8RSP Avatar
9y, 4m agoPosted 9 years, 4 months ago
I know before people start having a go at me and say "Credit Card Fraud isn't funny/a laughing matter" I do know!

I follow all the guidelines/hints and tips on how to avoid it all, so was a bit purplexed to see how I had the following on my account:

£1 payment to Napster (which I have never used)
£248 payment to a catalogue company (forgotten the name, but I have never used them!)
£1 payment to Napster (again, never used them - but I'm now thinking this is a payment to authorise the account etc)

and then the killer....

£10 donation to Christian Aid!!! :-D

And again, before anyone gets into any kind of religion issue or say how dare I cancel a donation etc, when I rang my credit card company up to tell them about this, they had said that this was a known problem with something like Napster and Christian Aid payments - it may not be the "correct" accounts that get the money etc.

But even so, what kind of person would nick credit card details and have the whole world to buy, but instead, make a donation to charity?! :giggle:
Other Links From Case:
T8RSP Avatar
9y, 4m agoPosted 9 years, 4 months ago
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#1
T8RSP
But even so, what kind of person would nick credit card details and have the whole world to buy, but instead, make a donation to charity?! :giggle:


An online version of Robin hood? :giggle:

I least you can have a smile because of that, I'd be peed off!!
#2
Credit card fraudsters, make small payments, e.g. napster and charity donations to see if cards are still active (not reported stolen etc). Charity donations are less likely to appear suspect to a card provider, as donations are often 'one-offs', so one appearing on your account is not likely to set alarm bells ringing.

If the transaction goes through, they'll start 'skimming' your card for lots of small(ish) ammounts until your limit is spent or the card gets reported as lost / stolen and the account frozen.
#3
Ah ha! Clever little blighters aren't they?!

Thanks for the info!

I am rather peeved though, just got to laugh basically as there are a lot of worse things that can happen out there though. I should be covered and protected for everything, so I'm just thankful for that mainly.

I just wish I knew how they got hold of the info!

I had thought it was someone I knew to a point, but it sounds like according to Jayhab, a professional scam, so I will let who I thought it was off the hook! :)
#4
It would be worth checking your PC for any spyware or key logging programs that may have captured your details and forwarded them to a fraudster. I'd recommend Spybot search and destroy as a starter - you can never be too secure.

Out in the real world, beware of making payments when your card goes out of site - e.g. restaurants etc - these are ideal occaisions for someone to capture your card details.
#5
jayhab
Out in the real world, beware of making payments when your card goes out of site - e.g. restaurants etc - these are ideal occaisions for someone to capture your card details.


Or as was in the new about 1 year ago, Petrol stations etc, It takes seconds to skim a card when you turn away, The also could say "the card isn't reading, I'll use this one" which is actually a skimming device.

I wasn't scammed but when I bought a new mobile from Carphonewarehouse there machines were playing up, I was watching my card as he went from one machine to another, Just waiting for one to work.

He didn't use any skimmers though, But thats a scenario where it would be the perfect opportunity! !
#6
jayhab
Credit card fraudsters, make small payments, e.g. napster and charity donations to see if cards are still active (not reported stolen etc). Charity donations are less likely to appear suspect to a card provider, as donations are often 'one-offs', so one appearing on your account is not likely to set alarm bells ringing.

If the transaction goes through, they'll start 'skimming' your card for lots of small(ish) ammounts until your limit is spent or the card gets reported as lost / stolen and the account frozen.


Another option was/is to use public phones that accept credit cards to check.
#7
The cynical among us would wonder how we know so much about credit card fraud.............

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