Someone used my credit card again. This time for 43 cents. Bank notified me and are sending me a new

[debm55]

card.

[NoRethugFriends]

1. the 43 cents was a test

[debm55]

4. That's what she told me.But where can you get something for 43 cents.

[emulatorloo]

6. 'Pre-authorization' - the scam charges you 43 cents to make sure your card works.

Then they will hit you with a big charge once they know it works.

You did the right thing calling your credit card company.

[Freddie]

2. Happened to me recently too

Bank caught a mysterious charge of $15 and the fraud dept called me right away. They said that the folks intending to fraud your account will start with small amounts like that, and will escalate if not caught. I check my account online every day.

[drray23]

3. if it's a small amount it's usually a test

for setting up a transfer.

They would ask you to enter the two digits ( 43) to confirm its you
if you haven't done it yourself its suspicious.

[debm55]

11. Oh. I see. Thank you

[Warpy]

5. Sounds like somebody offshore testing it to see if it worked.

Offshore charges are how the banks pick this shit up a lot of the time.

[Tracer]

14. True.

My CC company called me to ask if I'd been out of the country lately.

My card was hit for over $1000 in London. I have no idea how that happened, since my card is always in my possession, it was a new card, and lastly I've never even been to London.

[Warpy]

15. If you use it online, it probably got snagged from someone's data breach

Now that mining crypto has fallen out of favor, I suppose crooks will go back to hacking big corporations for credit card numbers.

[rsdsharp]

7. Over the last 3 years or so, I've had 4 AMEX cards

after having the same one for more than 30 years. Fortunately, there have been no fraudulent charges because AMEX is very good at fraud detection, but it’s still a pain.

[Me.]

9. Agree About Amex

[Me.]

8. I Don't KNow The How Or What

But a bank (big, big, big) we don't use wrote to say that someone was trying to open accounts under our name, tried a couple of times but was shut down. THe bank wouldn't really say how/why/what on their end but that we needed to be careful.

[Marcuse]

10. My bank declined the charge of a $2,500 guitar and assigned me new digits. I don't even play.

[debm55]

12. I have my online account set up for notification of anthing over $100. The bank declined the 43

cents warning came to me. She said it was someone phishing( I don't know if that is the right spelling) It came out of GA.

[ailsagirl]

13. Home Depot denied an attempted charge of $196

They called BofA, who contacted me.

I said it certainly wasn’t me and they immediately closed my acct and sent me a new card.

I’m positive they acquired my card info by skimming it when I was filling up at a gas station. Never again will I pay at the pump—it’s safe if I pay inside.

Live and learn but I was impressed by how fast BofA contacted me. 👍👍