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CAUTION...read this if you use credit cards...or gift cards.

posted 2/18/2007 10:37:46 AM |
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  NWdude48

SCENE 1.

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, pul led 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 a mounts rarely trigger a "warning bell" with some credit
card companies.

It just so happens that all the small amounts added up to big
one!





SCENE 2.



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.

Verdict:

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 fo r 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.



FOR YOUR OWN SAKE, DEVELOP THE HABIT OF CHECKING YOUR CREDIT
CARD EACH TIME IT IS RETURNED TO YOU AFTER A TRANSACTION!



SCENE 3:



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 picture.

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 card,
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 a nd don't
be careless.



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.


GIFT CARDS...
we all see them...decorating the aisles at the store. So you can go and eat, shop or order from Restaurants, stores, even cards for purchasing online products.....well perhpas limit your purchased of said cards, due to people take phone cam pictures of the card numbers, and access the online site and can utilize the card once you innocently activated the card, expecting to use it for what you want. Only to find out there is no balance remaining.

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CAUTION...read this if you use credit cards...or gift cards.
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Comments:

post a comment!

jezzarae

Feb 18 @ 10:50AM  
Useful information........ I know I never think at a restaurant to check it is actually my card coming back...... thankyou.
Argit01

Feb 18 @ 11:36AM  
In the UK when you pay for a meal in a restaurant they swipe the card in front of you as it is now law that they do so. If they do not have such a facility then the card owner has to go to the till to pay. We no longer sign either as we use chip and pin.
tmarkert2003Yaho

Feb 18 @ 11:50AM  
I dont let my card leave my site and I will NOT let them "hang onto it" while it clears. Swipe it and hand it back or I call the cops. Them holoding it against your wishes IS theft and I have done this.
And if they DONT ask for my ID I ask for the manager because the signature part on the back of ALL of my cards says "Check my ID Please" I refuse to sign it.

I deal with cards all day as an automechanic and some of the bills are in the 1500+ dollar range and it astonishes me how people get annoyed that you ask to see thier ID!

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CAUTION...read this if you use credit cards...or gift cards.