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[Articles Home]  [Add Article]  

A New(?) Credit Card Fraud

from Gerald A. 'Jerry' Brumm, N9LCD on May 24, 2017
View comments about this article!

A New(?) Credit Card Fraud

Our credit card issuer recently called to ask if I knew where our cards where. Someone tried to make a mid-four figure online purchase with the goods shipped to an address other than our billing address. I checked; our cards were all present and accounted for.

The obvious question: How did someone get all the information needed to complete an online purchase? Neither of us knew. That was no problem; the transaction wouldn’t be approved and we’d received replacement cards with new numbers.

About a week later I started receiving mail that I had not renewed my membership in two organizations and a magazine subscription. I remembered making the three renewals circa 9 January using the card in question to earn award miles.

Apparently, somewhere along the line, one or more of the payment authorizations was intercepted and the information therein used to attempt a fraudulent online transaction! The authorization could have been intercepted anywhere from the local Post Office to the recipient’s mailroom. The preaddressed and/or postage paid payment envelopes can be attractive targets for credit card or check alteration fraudsters!

MEA CULPA: While I review our accounts at least weekly for unauthorized transactions, I don’t check to see if the payment authorizations are processed in a timely manner. If I had, I would have known that something was wrong before our card issuer called.

These fraudsters will lay low and wait for you to forget about an unprocessed payment authorization and then they’ll strike, months after you authorized the payment. To frustrate these crooks, I suggest:

1. Check your credit cards to be sure that payment authorizations submitted by mail are promptly processed. If any authorization isn’t promptly processed, notify the card issuer and follow their advice.

2. If you’re submitting a payment authorization by mail, don’t use the payment envelope you’ve received. Take the time to manually address an envelope and pay the postage. Your payment authorization will be less conspicuous!

Member Comments:
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A New(?) Credit Card Fraud  
by N6JSX on May 24, 2017 Mail this to a friend!
How is this HAM or eHAM related subject? Was the fraudster buying HAM gear or gained info via selling HAM gear? I can see this as a Forum topic but a Main....

This is just everyday common sense for those who use credit cards.
 
RE: A New(?) Credit Card Fraud  
by K9MHZ on May 24, 2017 Mail this to a friend!
I'll read about this topic anytime, anywhere. We hams do a lot of online ham gear purchasing, so everyone can relate to this and heed the warning signs of fraud.
 
RE: A New(?) Credit Card Fraud  
by WA4CWC on May 24, 2017 Mail this to a friend!
Don't be so critical, my fellow ham.
 
A New(?) Credit Card Fraud  
by W9ZIM on May 24, 2017 Mail this to a friend!
This isn't new. Stolen credit card numbers have been a thing for a long time, and there are any number of ways a crook might get them. Often the first clue that your card number has been stolen will be an innocuous charge for a small amount, usually less than a couple of dollars. That's the thieves verifying that it's a valid number before they use it themselves for a larger purchase or sell the card number to a third-party.

So the take away here is to scrutinize your monthly statements. If you see a charge for a small amount that you don't remember making, or it's at a store that you don't usually shop at, or it's in a city you've never visited, alert your credit card company immediately! Don't overlook it just because it's a $0.49 charge, because that's exactly what the thieves are hoping for.

My wife and I have had to deal with this two or three times over the years, and it's not as scary as you might think. Credit card companies are quick to cancel your card and reverse disputed charges when you inform them your number was stolen, and the sooner you catch it, the better.
 
RE: A New(?) Credit Card Fraud  
by N4KC on May 24, 2017 Mail this to a friend!

We worry about our card info being stolen yet we happily hand over our cards to servers in restaurants all the time, seemingly unconcerned that they disappear with it for ten minutes. Others are correct. Check your statement often, which is now easy to do online. And use a card that is diligent in notifying you immediately if there is a break in your usual usage pattern.

A few years ago, I got a text from my primary card provider that my card had been used to buy a fast-food sandwich in Bloomington, Illinois. Not me! They promptly cancelled the card and issued a new one. That was the test of the card by the thief, but it was no good to him/her after that. I hope the b%&#*$d got sick on his sandwich.

I do have a ham radio-related anecdote on this subject. I bought a piece of gear from a reputable dealer at a hamfest being held in a state other than the one in which I live. When I tried to use my primary credit card, it was refused. I knew it should be good but I went to another major card I carry as backup, just in case, and it worked fine.

Later that day, on the way home, I stopped for gas. When I tried to pay at the pump before filling up, it refused BOTH my cards. Uh oh!

Fortunately, I had enough cash to fill up. But when I went to call my primary credit card provider to see what the deal was, I noticed a text on my phone from them, asking me to call and verify it was really me trying to make the purchase. I apparently had not heard the alert in the noise of the hamfest. They promptly reactivated the card when I correctly answered the security question. They even added to my account the "cash-back" dollars I would have received if I had been able to use the card to make the purchase of my new amplifier.

The deal? I was making a sizable purchase in a city I rarely visit. The purchase was from a dealer whose credit card terminal was registered in yet another state from the one in which the transaction was taking place. The card provider had texted me immediately, but automatically refused payment because of the situation. The other card folks were a bit more lenient and allowed the purchase but shut me down after that.

Note that most cards will allow you to set the level of security you want, as well as notification options.

I got home. I got my "cash-back" dollars. The amp works fine. All is well.

73,

Don N4KC
www.n4kc.com
www.donkeith.com



 
RE: A New(?) Credit Card Fraud  
by K6CRC on May 24, 2017 Mail this to a friend!
If OT UPSETS, skip this post.
Yes, this is off-topic. BUT, having had my ID hijacked last year, I did learn a few things worth passing on.

An employee of a department store chain with five letters that begins with M apparently got my SSN, Drivers license, and address from their system. They created fake accounts at their own store and charged $5000 worth of watches and gift cards. Since the stores turned off security cameras at the Jewelry counter to save money, there is no record of who they actually are. I never give out SSN, but somehow it was there or available on the Web.
With all that, they got a new phone number from Verizon (on their website) for their 'burner' Android phone. With SSN, D/L and a legit phone number, all in my name, they tried to open 10 credit card accounts at various stores. Utilizing the big discounts available when you sign up immediately for an account. Only 2 of the credit cards were issued (banks are hip to this scam). They tried to hack my brokerage and bank account, unsuccessfully. Credit card companies were great, handled all the problems immediately and even called me on big purchases for a couple of weeks to assure they were legit.
Why should YOU care? Because some disgruntled Department store employee (or Ham Radio store, or bank, or...) could EASILY get your information!

1. Get your free credit report from each of the credit reporting agencies each year, that is one every 4 months. Read through it. Cancel old Credit cards and close old accounts.
2. I have stopped using checks, ATM cards, captive charge cards (department store or gas station). Credit cards are traceable and have legal protection for the user.
3. READ your Credit Card and Bank statements.
It took several months to clean this up. I hope no one else has to go through the mess I did.
Unless you live off the land in an Idaho bunker, your personal info is OUT THERE and ripe for the taking. Stay aware.
 
A New(?) Credit Card Fraud  
by K9EID on May 24, 2017 Mail this to a friend!
Any time Sarah and I are at a restaurant or any business that wants to take our card away, out of our site, we will pay cash. No one knows where they go or what they do with that card for a few minutes. These low lifes frequent a web site that SELLS stolen CC numbers. LIFELOCK is must. We all have to protect ourselves today….and yes, this is a topic for each of us and should be posted everywhere.
 
RE: A New(?) Credit Card Fraud  
by K9MHZ on May 24, 2017 Mail this to a friend!
Good anecdotes, Don. Yes, had that happen to me at Dayton several times. One vendor runs the card, and the next vendor from a different state runs it. The CC company loses its mind, thinking my CC is being used all over the country. Called the CC company to explain, and they reset the card. Swipe it on the next purchase....denied. Called again, and get a "customer service" rep who sounds like she just got out of bed, and realized that all these morons were doing was just resetting the card and not adjusting any parameters. Chase, if anyone is wondering. Never again.

 
RE: A New(?) Credit Card Fraud  
by K6CRC on May 24, 2017 Mail this to a friend!
Maybe I am just lucky, but big Credit Card companies have been great. Proactively call if a charge seems odd. When my accounts were hacked, Chase sent new cards FedEx overnight, no charge.
Unlike the 'captive cards', where the 'security' team seems to be a mis-nomer. And, given my experience, the big department store card 'security' could possibly be in with the scammers.
 
A New(?) Credit Card Fraud  
by AD5IW on May 24, 2017 Mail this to a friend!
Why not just pay cash. It works great in restaurants and most stores. I never worry about someone reading my card number and using it. Or skimming the number at a register.

I have 3 credit cards and a debit card. I only use them for online transactions. I check all 3 every day for bogus activity. That takes 5 minutes.

Cash works great locally.
 
RE: A New(?) Credit Card Fraud  
by WB4M on May 24, 2017 Mail this to a friend!
"We worry about our card info being stolen yet we happily hand over our cards to servers in restaurants all the time, seemingly unconcerned that they disappear with it for ten minutes."

This happened to me. About 1 week after eating at a restaurant out of town, my bill showed a charge at an Apple store in that same town for a laptop, $800.00. I called the Apple store and the manager basically said tough chit, take it up with your credit card company. Apple made their sale, got their money, they totally unconcerned it was fraudulent. My credit card company deleted the charge and opened a fraud alert and I never heard any more of it. Credit card company said the waiters steal your info, sell it to a hacker or whoever, and they make a new credit card with your info, and actually use the very same type of machine the credit card company uses. Cash only for me at restaurants now.
 
A New(?) Credit Card Fraud  
by K5UJ on May 25, 2017 Mail this to a friend!
Bob took the words out of my mouth. I pay cash for small amounts as much as possible. No writing checks later, no stamps--yes it is old fashioned, but the chances of having a credit card account hijacked are lower if you only use it for major expenses like car repairs. Also when you pay with cash at restaurants and retail stores you get the whole business done and over and you can move on and stay out of debt.

To keep up with the latest fraud schemes read Krebs on Security: http://www.krebsonsecurity.com scroll down.

By the way, the latest ATM card skimmers are so sophisticated they are hard to spot. Avoid using ATMs in outdoor uncontrolled locations like fairgrounds that go for periods with no one around. These are where skimmers are likely to be installed.
 
RE: A New(?) Credit Card Fraud  
by K9MHZ on May 25, 2017 Mail this to a friend!
If you take the kiddos/grand kiddos to Disney World, watch yourself at Disney Springs (Downtown Disney). CC fraud central from the restaurants. So many people and such a transient environment.
 
A New(?) Credit Card Fraud  
by AI4HO on May 25, 2017 Mail this to a friend!
Good advice from a couple of post herein, I had my identity hacked about 10-13 years ago, fortunately it was under $500 and we got all but $30 of i back, that is what my bank at the time charged. I was heavy into buying/selling ham gear, had 2 different paypal accts. had a lot of fun made a few bucks in the process. After that I stopped most of my on line shopping, deleted my Paypal accts. If I bought ANYTHING on line I would find the item, call on the phone the company order the product and give my debit card # to the employee.

I was uber vigilant for several years, then, about 5 years ago, I received a call from my bank and from Discover asking did you buy such & such while you were in England? I'm like WTF I haven't been to England in years not since I was in the Army & we went to Germany by way of England, long story won't bore you with the details. Upshot of it was these pukes got me for damn near $3500 if I remember correctly give/take $500 either way. One can never be vigilant enough when it comes to your credit/debit cards, even now all these years since its still on my credit reports and has severely impacted my credit score. I am slowly building things back to where they were, but it will still take me another 3-5 years I figure to get back to where I once was having AAA credit. Thank you for this article.
 
A New(?) Credit Card Fraud  
by WA7NDD on May 25, 2017 Mail this to a friend!
I had my debit card number taken, and I knew right were it happened. My wife and I spent two days in Cody Wyoming at the Bill Cody museum. We went to a restaurant noted to be the place to eat. We got in a conversation with the girl server who said she was from New York and worked the summer in Cody. Cody is dead in the winter almost impossible to get to. To pay, I gave her my debit card. She took it, came back, and we left. A couple of weeks later, I get a call from the card company saying they need approval on my debit card for a charge in New York for a $1200 meal at some restaurant. I denied the charge. I assume the girl was standing in line waiting for approval. I wonder what happened when she did not get it? Thanks to the Visa Card Company, saved my bacon. So if they want to run off with your card, don't let them do it, or go with them. I use PayPal for my credit card. If I cannot buy online because the seller does not have PayPal, I find the same item with a seller who does use PayPal even if it cost a little more. Visa canceled my card right then and issued new cards. That is how I purchase all my ham gear and parts.
Jim, WA7NDD
 
RE: A New(?) Credit Card Fraud  
by SWMAN on May 25, 2017 Mail this to a friend!
I never use credit cards for payment at restaurants mainly for the reasons listed here and also I don't like it when they take the tip out of the payment. Sometimes you don't want to give the waitress what they take out if they were not good or didn't act friendly etc. When I tip them,I like to give what I want to give them not what the restaurant tells me to give.
 
RE: A New(?) Credit Card Fraud  
by W3TTT on May 25, 2017 Mail this to a friend!
We (wife and I) eat regularly at the same restaurant. I noticed that the amount on my statement was the meal amount and not the tip that I added to the receipt. I now tip in cash so the wait staff gets their tip.
 
RE: A New(?) Credit Card Fraud  
by N9AOP on May 25, 2017 Mail this to a friend!
Wait until folks start going to bitcoins if you think this is bad.
Art
 
A New(?) Credit Card Fraud  
by WN2C on May 25, 2017 Mail this to a friend!
For bill payments use you bank's bill pay site. It is quicker, more secure. When making large $$ purchases call the issuer let them know when you make the transaction.
 
A New(?) Credit Card Fraud  
by KB2HSH on May 25, 2017 Mail this to a friend!
Firstly, shame on you for being such a DUNCE as to trust.

Secondly, I reflect others' statements that THIS IS NOT A RADIO RELATED STORY.

Thirdly, its called proper grammar. Have someone explain it to you.

KB2HSH
 
RE: A New(?) Credit Card Fraud  
by N0XAX on May 25, 2017 Mail this to a friend!
Cash is King! That's why the powers that be want a cashless society! So that can track every transaction!
F that!
 
A New(?) Credit Card Fraud  
by K5UJ on May 25, 2017 Mail this to a friend!
Additionally: If you have all the credit you need and don't plan on getting a mortgage, car loan, line of credit or opening a new account any time soon, then have your credit reporting frozen with all reporting agencies like Equifax, TransUnion, and others. This prevents frauds who have stolen your identity from opening new accounts in your name.

Do you have an online account with Social Security and IRS? If not, fraudsters will create these accounts for you, and divert your S.S. payments and file a fake tax return in your name seeking a big refund. You won't know it until you file your tax return and find out it has already been done. Spending 20 minutes creating these online accounts can prevent this.
 
RE: A New(?) Credit Card Fraud  
by AA4EZ on May 25, 2017 Mail this to a friend!
I remember back when hams were friendly and did not make rude comments about one another. I guess that is just a Southern tradition.
 
RE: A New(?) Credit Card Fraud  
by SWMAN on May 26, 2017 Mail this to a friend!
HSH. It may not exactly be ham related but it is interesting..
 
RE: A New(?) Credit Card Fraud  
by WB8NXR on May 26, 2017 Mail this to a friend!
Please do not confuse payment card theft with identity theft. While identity theft can facilitate payment card theft, it does not work the other way around.

One of the advantages to credit cards is that there is a federal regulation that holds you harmless from fraudulent usage if you report it in a reasonable time (60 days).

While debit cards have very limited protection federally, the practice of all banks I know of is to treat them the same as a credit card but with a significantly shorter reporting period, usually less than a week.

Debit cards can be very dangerous to your financial health. The only safe way to have one is to have two bank accounts, your primary account that takes your check deposits and that you have explicitly told the bank to deactivate any payment card capabilities. Then open a second account at the same bank and transfer money from the main account into the debit card account in reasonable amounts. That way a criminal cannot clean out your primary account; otherwise you run the risk of having no debit card and no cash for up to ten business days while he bank sorts it out.

Why both accounts at the same bank? Banks allow inter-account transfers essentially in real time. Transferring money to an account at another bank can take up to three business days.

And always, always, sign up for online banking and to online credit card account access even if you do not trust it. Why? It's the only way to get email and text alerts about account activity.

All banks and card companies I know of enable your accounts for online access even if you do not specifically request it; it's a convenience thing. If you do not sign up, you run the risk of someone in possession of your identity signing themselves up. Yes, you can explicitly ask them to turn that feature off but then you cannot get alert and who knows if it ever gets turned back on? A scammer with possession of your identity could ask them to.

And please do not follow the conventional wisdom about signing up for alerts only for transactions of $500 or so. That is just plain stupid advice. Set the alert level to any transaction above zero dollars or the lowest amount you can set, sometimes $1. No one should be using your cards without your knowledge and that way you'll be alerted to even the small "test" theft of a dollar. (Some gas stations run a $1 test transaction when you swipe it but you had better be getting gas when you get that alert.)

Chase and Discover send me alerts literally while I am still standing in the checkout line. Citi is usually behind but still the same day.

How is this post ham radio-related? I work on the security team for a large bank, one that issues and processes both credit and debit cards. :-)

Ray
WB8NXR

PS: The fastest I've ever had a card stolen was one week. My wife and I went to a Costco one Sunday to check it out and signed up for the Costco Amex card. The card arrived in the mail seven days later on Saturday. I left it in the envelope unopened. When I got home from work the next Monday, I got a call from Amex that they had detected fraudulent activity. I then opened the envelope, called the number on the back of the card and got confirmation that it really was Amex who called. The card had been used in England. The crook knew my card number before I did.
 
KB2HSH - Shame on you  
by W8ASA on May 26, 2017 Mail this to a friend!
KB2HSH, if you are going to criticize someone's grammar, please at least use correct spelling.

Your "its called" is not correct. Back to school.

QUOTE-A New(?) Credit Card Fraud Reply
by KB2HSH on May 25, 2017 Mail this to a friend!
Firstly, shame on you for being such a DUNCE as to trust.

Secondly, I reflect others' statements that THIS IS NOT A RADIO RELATED STORY.

Thirdly, its called proper grammar. Have someone explain it to you.

KB2HSH
-END QUOTE
 
RE: KB2HSH - Shame on you  
by SWMAN on May 26, 2017 Mail this to a friend!
WOW !!
 
RE: KB2HSH - Shame on you  
by KB2HSH on May 26, 2017 Mail this to a friend!
W8ASA: The apostrophe key sticks on my Mac, dipshit. Anything else to add?
 
RE: KB2HSH - Shame on you  
by SWMAN on May 26, 2017 Mail this to a friend!
WOW !!
 
RE: KB2HSH - Shame on you  
by K6CRC on May 26, 2017 Mail this to a friend!
'I remember back when hams were friendly and did not make rude comments about one another. I guess that is just a Southern tradition.'

Use to be a Ham tradition.
 
RE: KB2HSH - Shame on you  
by SWMAN on May 26, 2017 Mail this to a friend!
Maybe he is in a bad mood because he misses his boyfriend ?
 
RE: KB2HSH - Shame on you  
by KB2HSH on May 27, 2017 Mail this to a friend!
"SWMAN":

Tough talk, keyboard coward. Anonymous pussies such as yourself ALWAYS make me laugh.
 
A New(?) Credit Card Fraud  
by AD5TD on May 27, 2017 Mail this to a friend!
I NEVER send payment (other than a check) through the mail. Filling out your credit card info on a postage paid return envelope is just asking to be ripped off. It's got your name, CC#, and security code right on the form, everything a thief needs to charge you account. ALWAYS complete your transaction on the website of the product in question.

I can remember when magazines would send a POST CARD that you would put your CC info on. There for all the world to see.
 
RE: A New(?) Credit Card Fraud  
by K7LZR on May 27, 2017 Mail this to a friend!
Good advice, all. No matter if it comes from a ham radio site or anywhere else. Be aware and do everything possible to protect your finances.

 
RE: A New(?) Credit Card Fraud  
by K9MHZ on May 27, 2017 Mail this to a friend!
Right on.

Don't care where I read about this, it affects everyone, and more knowledge is power against those cockroaches.

Strongly disagree that it's inappropriate on eHam, as many of us rely heavily on online ordering for getting what we need for the hobby.
 
RE: A New(?) Credit Card Fraud  
by PA0NVD on May 29, 2017 Mail this to a friend!
I don´t have paypal. Once I bougth something at the net paying with my credit card, and the seller did process my card using PayPal. The next time I did purchase something, the paymant was refused and paypal did sent a message that the card number and the Email account were from a paypal account and that I should use that account. I did NOT have and never had an account. To make a long story short, they blocked my card for over a year, I did sent more than 20 emails with information etc, called about 6 times, and ended up telling them that I will see them in court with a good claim. After more than a year and loosing very many opportunaties to purchase, finally the solved it and my card and email is mine again. NEVER, but NEVER paypal again. If the seller only has paypal, I don´t buy.
 
Credit Card Fraud easy as pie  
by WB5FAX on June 1, 2017 Mail this to a friend!
Two things to help you from frauds

1. Use some tin foil to wrap your card in if you have a chip, or buy them at Walmart. Many credit card people stealing walk around in stores ,malls,bookstores and venues with a small sniffer that gets all the information off the chip,since it emits a signal.

2. Places you buy items. Drive thrus and people working in places to eat,have credit card swipers they use to get your card. I caught 2 people involved with credit card theft, when I went to eat. The guy swiped the card and bought him a mc book pro.

The guy used Best Buy online to buy the mac book and was dumb he left all his personal info with them. The Police got him and his buddy.

One thing I do is check my bank account once a day, to be sure things are OK.

Mark
 
Credit Card Fraud easy as pie  
by WB5FAX on June 1, 2017 Mail this to a friend!
Two things to help you from frauds

1. Use some tin foil to wrap your card in if you have a chip, or buy them at Walmart. Many credit card people stealing walk around in stores ,malls,bookstores and venues with a small sniffer that gets all the information off the chip,since it emits a signal.

2. Places you buy items. Drive thrus and people working in places to eat,have credit card swipers they use to get your card. I caught 2 people involved with credit card theft, when I went to eat. The guy swiped the card and bought him a mc book pro.

The guy used Best Buy online to buy the mac book and was dumb he left all his personal info with them. The Police got him and his buddy.

One thing I do is check my bank account once a day, to be sure things are OK.

Mark
 
A New(?) Credit Card Fraud  
by KE4ZHN on June 2, 2017 Mail this to a friend!
It never fails...no matter what the topic is, every thread eventually turns into a pissing match. And hams wonder why people think we are weird.
 
A New(?) Credit Card Fraud  
by N4BAM on June 2, 2017 Mail this to a friend!
I and my wife only use a couple of cards on a regular basis, the others are for emergency use only with a zero balance.

I typically have those cards and their numbers changed out every 6 months.
 
A New(?) Credit Card Fraud  
by WA2ISE on June 3, 2017 Mail this to a friend!
About a year and a half ago, I ordered something on the web using my credit card direct from China. A few weeks later my credit card company called me asking if I was in a Walmart in or near Texas buying a gift card. Not me. They cancelled the card and sent me a new one with new numbers.
 
RE: A New(?) Credit Card Fraud  
by K2PH on June 8, 2017 Mail this to a friend!
Ok, a few things. (And please pardon me if my punctuation and/or spelling is not up to your standards)
1. There are several different types of CC fraud. If all of the US banks started issuing true chip and pin credit cards, most in-person fraud would be eliminated. As it stands now, with VERY few exceptions, all of those chipped cards are chip and signature, and they certainly do not address the in-person (stolen card) type of fraud.
2. In the parts of the world that issue true chip and pin cards, the waiter in the restaurant brings you a little handheld terminal, you put in your card and enter your PIN. The card never leaves your sight.
3. Most banks will issue, on request, usually through their website, one-time "virtual" credit card numbers for you to use for online payments. They are useless to anyone who steals them and tries to use them again.
4. Federal banking regulations protect you from fraud as long as you report it promptly. Most banks waive the $50.
5. Have your bank text you whenever you make a purchase. While it's interesting to have you phone buzz 5 seconds after you swipe your card, it is reassuring.
6. Unless you're going for a loan or more credit cards, put a freeze on your credit accounts with the 3 credit bureaus. If you have had a recent identity theft problem, there's no charge. You get a PIN to unfreeze the account should you need to allow access to it.
7. Check you accounts often, and your free credit reports throughout the year.
 
A New(?) Credit Card Fraud  
by AF4RK on June 10, 2017 Mail this to a friend!
I have Lifelock and Legal Shield. I get an email if this kind of activity occurs. Lifelock has $1 million insurance policy. If you make more than minimum wage, you need this. Don't be cheap with your financial life!
73
AF4RK
 
RE: A New(?) Credit Card Fraud  
by KD2JBL on June 12, 2017 Mail this to a friend!
Now I know why I waited so long to get my ham ticket some of the older hams sure are not friendly have a wonderful day
 
A New(?) Credit Card Fraud  
by STRAIGHTKEY on July 7, 2017 Mail this to a friend!
Thanks for the article about credit card fraud. Can we get some articles about erectile dysfunction, choosing the right assisted living home, and home lawn care?
 
RE: A New(?) Credit Card Fraud  
by KU5Q on July 10, 2017 Mail this to a friend!
"6. Unless you're going for a loan or more credit cards, put a freeze on your credit accounts with the 3 credit bureaus. If you have had a recent identity theft problem, there's no charge. You get a PIN to unfreeze the account should you need to allow access to it."

Excellent advice.

As aforementioned, do all three. Experian, Equifax, Trans Union.

If you don't want the cost of the subscription for unlimited access that all three offer, besides the free once annual credit reports, you can also view the files by initiating a dispute. You can then view what's on each file.
 
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