My first time - it hurt :(

it used to be much safer not to walk around with cash and to rather use a card to swipe, but it seems the good old days of carrying cash are coming back.
 
zamedic said:
Last Year, some time, my Brand New FNB Credit Card has a fraudulent transaction on it, there were 3 suspects there - Afrihost, Dross or GroupOn - I am sure we can safely say that Afrihost is trusted, so either the Waitress as the Dross copied my details or GroupOn sent my payment details to a 3rd party.

Anyway, around 22:00 at night I get a SMS from FNB saying around 11,000 has been taken off my card from British Airways. Phones the FNB Fraud call center, they verified the card was with me, cancelled the card and emailed me a form that I filled in and emailed back. Funds were reversed and new card delivered.
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Very similar experience to what I had, except mine was delta airlines - 5 tickets at R15k each. Card was blocked after the first transaction :P

The replacement card was fraudulently used 3 days after I got it. Had never used it online...
 
Thanks, I never thought about this. I think I'll get a sticker to put over my CCV number.

On the other hand, I which I could get my credit card to send me SMS notifications for all transactions. Currently it can only send for amounts over R100. So if someone stole my details, they can drain my account R99 by R99, and no one will suspect a thing before it's too late.
 
ambroseg1 said:
it used to be much safer not to walk around with cash and to rather use a card to swipe, but it seems the good old days of carrying cash are coming back.
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I do feel a lot more safe walking around with R15k in my pocket as opposed to walking around with a plastic credit card on my way to a R15k purchase :p
 
Some clever oke managed to use my CANCELLED (wife's bag got stolen, cancelled the cards immediately) CC to help himself to about R40k way back in 2002. Bank phoned me to ask if I'm using the card, told them that it has been cancelled 2 months prior to those transactions. Bank refunded me every cent
 
ld13 said:
That is why my card is blanked out on the back! My CVV number never stay on my cards for more than about a week... committed to memory ftw.
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^ This.

Memorize and vaporize that number as soon as you can.

ambroseg1 said:
it used to be much safer not to walk around with cash and to rather use a card to swipe, but it seems the good old days of carrying cash are coming back.
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In your dreams.

When cash gets taken (Mugging) you lost it foreva not to even mention ATM skimmers when you try and draw money, if your card has been compromised you have ample time to respond and lose nothing. I would say now more than ever is the time to refuse to carry money.
 
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WatchMan said:
Now that the title got you here ;)

Had my first fraudulent activity on my credit card last night. R1000 on a website called vcpay or some such name. Wasn't as hellish as I thought it would be. FNB let me know it was fraudulent and cancelled my card. Funds to be replaced once I go into the bank and sign off a few affidavits.

Now... for the suspects. Provided full credit card details to Mr. Delivery (operator) and also had to let the delivery guy carbon copy the front of my card. I did notice the delivery guy look at the back of my card but I assumed he was checkin the signature. I wonder what Mr. D will say when I inform them of this (Gardens, Cape Town).
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This is why I never ever let anybody carbon copy my credit card - actually the credit card companies do not allow this act. My wife received a memo a year ago from her merchant warning her about doing this with her clients. Its the same as allowing people to make copies of your ID.
 
WatchMan said:
Now that the title got you here ;)

Had my first fraudulent activity on my credit card last night. R1000 on a website called vcpay or some such name. Wasn't as hellish as I thought it would be. FNB let me know it was fraudulent and cancelled my card. Funds to be replaced once I go into the bank and sign off a few affidavits.

Now... for the suspects. Provided full credit card details to Mr. Delivery (operator) and also had to let the delivery guy carbon copy the front of my card. I did notice the delivery guy look at the back of my card but I assumed he was checkin the signature. I wonder what Mr. D will say when I inform them of this (Gardens, Cape Town).
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How could FNB know it was fraudulent? How do they know it was not you making the transaction ?
 
cbrunsdonza said:
+1 I like

Going to do this myself now.
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I wonder why they put it on the card though, i am also going to do it later today but i wonder why the CC companies have not figured out that is basically your pin :D. Imagine your pin was on the back of your debit card :eek:
 
blunomore said:
How could FNB know it was fraudulent? How do they know it was not you making the transaction ?
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Good question. With me it was over 6k. 3k was spend on booze, 2.5 spent on medical supplies. They called to check if it was me. And to think last month I spent over 5k on booze. Maybe it depends on your salary as well
 
blunomore said:
How could FNB know it was fraudulent? How do they know it was not you making the transaction ?
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FNB looks at your spending patterns. If anything happens outside of your usual spending pattern, they alert you, just in case it wasn't you who made the transaction.

Discovery Card called me once about a transaction that was made at 02:00 at a place I couldn't recall. At first I told them that I didn't make the transaction; they then sent me the forms and everything. It was only later that I realised that it was at a club - I never noticed the name of the place because we just walked in. Then, we entered at 22:00 on the 18th of March but by the time I paid it was officially the 19th of March so when the operator asked me whether I had a transaction on the 19th of March, I denied it because I clearly remembered not using the card on that day. Long story short, I called them back to explain.

I'm glad that they picked up the anomaly though because I usually use the card only at Discovery partners - for the the cashback savings.
 
VernD said:
FNB looks at your spending patterns. If anything happens outside of your usual spending pattern, they alert you, just in case it wasn't you who made the transaction.

Discovery Card called me once about a transaction that was made at 02:00 at a place I couldn't recall. At first I told them that I didn't make the transaction; they then sent me the forms and everything. It was only later that I realised that it was at a club - I never noticed the name of the place because we just walked in. Then, we entered at 22:00 on the 18th of March but by the time I paid it was officially the 19th of March so when the operator asked me whether I had a transaction on the 19th of March, I denied it because I clearly remembered not using the card on that day. Long story short, I called them back to explain.

I'm glad that they picked up the anomaly though because I usually use the card only at Discovery partners - for the the cashback savings.
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mavericks doesnt show up as mavericks on your statement just BTW :p

and no one spends such a high amount at a club that will have the banks call them :p
 
LOL, what's with all the 'change the thread title' - you guys hungry for some naughty saucy sexy life details ;D

My apologies, it is www.easypay.co.za that was used as a payment gateway.

Also, have no idea how FNB identified it as fraudulent, especially as I make numerous online purchases and never receive a fraud warning.

Called Mr. Delivery HQ, 'manager' there argues with me that she needs to contact the branch where I suspect my details were obtained as they need to investigate. After 1/2 explaining the situation to her something dawns on her... she curtly asks me how I know it was Mr. Delivery that 'took' the money from my account if the transaction does not say Mr. Delivery. I'm sure she failed Std. 6 and ****ed her way to manageress. Then, 3 hours later - the moron manager from the Gardens branch calls me to ask me why I think my card was doubly deducted. MSP (ma se p...) how the fook can an organisation be so incompetent with a fraud occurrence. I wish FNB fraud team have to send a few investigators to the branch and make life difficult for them (background checks of employees, etc.) so that when they are informed of their customers being assumed targets of fraud by their employees/associates it is taken seriously. If only because this causes them hassles...

I'm angrier at Mr. Delivery than at the thief/syndicate. What a world.
 
samr1wp said:
mavericks doesnt show up as mavericks on your statement just BTW :p

and no one spends such a high amount at a club that will have the banks call them :p
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Hahaha !!! It wasn't Mavericks but it was some dodgy name though; it included the word cougar and I recall an oldish-looking woman dancing with someone much younger on a smoke-filled dance floor somewhere near the bar :D
 
VernD said:
Hahaha !!! It wasn't Mavericks but it was some dodgy name though; it included the word cougar and I recall an oldish-looking woman dancing with someone much younger on a smoke-filled dance floor somewhere near the bar :D
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haha some place iv never been ...older woman :sick:

:p
 
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