Random active card check

bwana

bwana

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So I awoke this morning to a notification from my Wise banking app that a previously unknown to me merchant in the US, Immortal Laces, had done an $0.00 active card check on my debit card.

I immediately froze the card but I’m thinking that cancelling it and ordering a replacement might be the thing to do.

Am I over-reacting? Has anyone else had a similar experience and if so what did you do?
 
bwana said:
So I awoke this morning to a notification from my Wise banking app that a previously unknown to me merchant in the US, Immortal Laces, had done an $0.00 active card check on my debit card.

I immediately froze the card but I’m thinking that cancelling it and ordering a replacement might be the thing to do.

Am I over-reacting? Has anyone else had a similar experience and if so what did you do?
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No, but I would do the same, if card details were expose to criminals, this might be the first check to see if details are legitimate.
 
rh1 said:
No, but I would do the same, if card details were expose to criminals, this might be the first check to see if details are legitimate.
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It's odd because I rarely use the actual card so I'm trying to track down when I have used it and not tapped or used a virtual.
 
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backstreetboy said:
$0? Bloody hall that’s a lot of money for you to never get back. You were right to cancel the card. /s
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It's not the amount - it's that someone has my [now verified] card details.

Why would you not cancel a card if you lost control over it?
 
bwana said:
It's not the amount - it's that someone has my [now verified] card details.

Why would you not cancel a card if you lost control over it?
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Yeah cancel it and get a replacement. This is a pre-check before they start their swindling.
 
bwana said:
It's not the amount - it's that someone has my [now verified] card details.

Why would you not cancel a card if you lost control over it?
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Didn't want to trek down to the bank and print a new card and update all my streaming services and waste an hour +. Place in Canada was hacked and they just run a bunch of card number blocks. A week later I got my $1 back and I moved on with my life. To each their own.
 
backstreetboy said:
Didn't want to trek down to the bank and print a new card and update all my streaming services and waste an hour +. Place in Canada was hacked and they just run a bunch of card number blocks. A week later I got my $1 back and I moved on with my life. To each their own.
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I use virtual cards for online services.

Not only did they "run the number" of my [physical] card, but they were successful which means they can go to town with my money anytime they want.

Not cancelling a compromised card would be negligent and would make claiming back any subsequent fraudulent charges more difficult.
 
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