Credit Card info
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HCF Member
Joined: Feb 2005
Posts: 250
From:
Credit Card info
This was just passed on to me. Seems to make a lot of sense.
SCENE 1 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. Hmmmmm."
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, pulled out the credit card, and yep âEUR" you guessed
it âEUR" 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 amounts 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 at yours. Check the name on the card every
time you sign for something and/or the card is taken away for even a short
period of time. Many people just take back the credit card without even
looking at it, thinking 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 flat 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 as 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 cards, take
caution and 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.
SCENE 1 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. Hmmmmm."
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, pulled out the credit card, and yep âEUR" you guessed
it âEUR" 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 amounts 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 at yours. Check the name on the card every
time you sign for something and/or the card is taken away for even a short
period of time. Many people just take back the credit card without even
looking at it, thinking 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 flat 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 as 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 cards, take
caution and 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.
HCF Member
Joined: Sep 2004
Posts: 1,607
From: San Diego
RE: Credit Card info
Dirty ****ing people like thieves should be enslaved and branded. I would also vote for a measure that would make theft punishable by the removal of the hand. Public ridicule and caning or beatings would also be just in my opinion Thieves are the filth and trash of the human race and should not be given any mercy in their punishment. If I ever found out someone had stolen my credit and started making charges, I would beat them into a coma with a bat or 2x4. Fire would be involved followed by salt, lots of it. Just reading those stories, real or not, but with good lessons in them, enrage me.
Thanks for the stories though, I will definitely make note of these practices and try to make them habit.
Thanks for the stories though, I will definitely make note of these practices and try to make them habit.
Joined: Mar 2005
Posts: 526
From:
RE: Credit Card info
Hell...I just don't have credit cards. Sure, they can be handy...but I firmily believe in that if I can't pay for it right then and there, I don't really need it. Except my car. Plus, you get a feeling of ungodly satisfaction when you save up enough cash to drop a down payment on a 15,000 ride.
HCF Member
Joined: Jan 2005
Posts: 11,248
From: Charleston
RE: Credit Card info
ORIGINAL: sugerbear008
not just credit cards
any kind of bank card (atm, debit, paypal) whatever
Hell...I just don't have credit cards
any kind of bank card (atm, debit, paypal) whatever
elatedly agreed, I dont use any form of credit card... debit, cash, and that is KING. For you guys in debt or you dont know how to manage money, go to www.thedaveramseyshow.com . While your at it, look for a local program for a Dave ramRey class... normally found at a church, you will be amazed!!!!! Please take Remmy's advice...for it is normally good! I would like to say that I have been through the course and it is not a scam, it is exelllent! It taught me so much! Check the website to find out what radio station plays the Dave Ramsey Show in your area. Give me a buzz if you are interested: 843-327-5396
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