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My credit card was stolen!

Discussion in 'Money & Finance Forum' started by Patti, Dec 6, 2003.

  1. Patti

    Patti ~

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    They filled their car up with gas, stocked up on groceries and went to Walmart twice! All in one day! Damn.

    But thank God, I won't be responsible for any of the charges!
     
  2. builder

    builder membered member

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    Sweet....The clerks that took the card without id should be fired. Pin numbers is where it's at. And try to be more responsible next time. You're costing us money with all these writeoffs. :D


    REally, sorry bout the theft. And really, really....try not to lose it again.
     
  3. Patti

    Patti ~

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    Yes, I did lose it. I am almost 100% sure how it happened. A couple of days ago I filled up with gas. I always use my cc to pay at the pump. Well I had on a hooded sweatshirt and after I swiped the card I put the cc in the front pocket of the sweatshirt.

    I don't remember taking it out and putting it back in my wallet. I guess it fell out at some point. :(


    Yeah be careful out there guys. There is always some lowlife just waiting for you to give them an opportunity. :mad:
     
  4. Patti

    Patti ~

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    And you are right builder. I am never ever asked for my id when I use my cc. No pin # with it either.
     
  5. WilliamJ

    WilliamJ SUPERMOD

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    the id and pin# don't matter. as soon as a card is reported it no longer works and when swiped the clerks get a code or something to call the cops or some such. at best you have 12 hrs in which to capitalise on a stolen cc and you are responcible for 50 bucks charged on your stolen card i think.
     
  6. Patti

    Patti ~

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    They still got over 500 dollars worth of stuff. Granted it will come up now that it has been stolen but I bet they never recoop what was already charged on the card.

    And the lady I talked to last night said I had 100% fraud coverage. I don't have to pay a penny of the stolen charges.
     
  7. PantherFanz

    PantherFanz Go Panthers

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    Feel no sorrow for the bank. Under thier contracts with merchants, they simply deduct the total from the merchant that took the bogus charges. It is up to the stores to screen for the banks. Also, they often levy a fine against the merchant for allowing the fraudelent charges.

    And I would check your statement for the 100% fraud coverage. That is usually an extra charge they get from you passed on total debt carried on the card as an insurance against loss. It is pure profit for the bank because they incur no loss in a fraud case, only the merchant does.
     
  8. Patti

    Patti ~

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    Oh I don't feel sorry for the banks at all. They are all going to hell.

    But what do you mean "an extra charge they get from me passed on total debt carried on the card as an insurance against loss"? I'm not understanding that. I don't even pay an annual fee.
     
  9. DaveW

    DaveW Super Moderator

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    Banks wont even waste their time on that measley $500. Maybe a phone call or two but thats it.
     
  10. PantherFanz

    PantherFanz Go Panthers

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    Depends on the credit card company. Most of the better ones include things like that as part of the service. Others tend to garner all sorts of charges in order to finance thier low low interest rates. I tend to stick with the big ones like American Express, BofA and my credit union for credit cards as they usually do not try to service fee you to death...
     

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