Beware of using a credit card

[mickeysshoes]

The skimming problem is easily addressed - its just not big enough of a deal to make all the merchants change yet.

In parts of europe -you never give up possession of your card. The waiter brings the CC terminal to you, you swipe it, you type in the amount to charge. You never give up possession of your card.And to deal with cloned cards - they heavily rely on smartchip enabled cards now.

The US has been slow to adopt smartchips and still has the culture of giving your card to someone else...

I like that idea!!!

 

[rcapolete]

This happened with me as well. I use my Disney card only for paying for our Disney trips so that we get the 6 months of no interest. After using the card a couple of months ago to pay for our June trip, charges started showing up including several PayPal purchases and two American Airlines tickets to Puerto Rico. Visa was very helpful and issued us a new card and assured us we would not be liable for the charges, but still, it's a little disconcerting knowing someone is trying to screw you over.

I wouldn't hesitate to continue using reliable credit cards (Citibank Visa, Discover, etc.), but I advise everyone to NEVER use their check card as once that money is spent it is extremely difficult to get back.

I actually had my check card # stolen from Disney Movie club ( a couple of years ago when their servers got hacked). The bank gave me my money back right away with out any hesitation. The only thing i had to do was file a police report within 30 days which of cause i did

 

[CAPTAIN HOOK]

In parts of europe -you never give up possession of your card. The waiter brings the CC terminal to you, you swipe it, you type in the amount to charge. You never give up possession of your card.

Almost.

The waiter brings the CC terminal to your table. The waiter takes the CC from you and places it into the termainal and then inputs the amount. The waiter hands the terminal to you (the customer) who views the amount to be charged to the card and if you agree with the amount, you input your four digit numeric PIN and the transaction is complete.

So you do actually give up possession of your card, but its never out of your sight.

 

[mickeysshoes]

Only problem there is the waiter still has all your info until he closes out at the end of the night. Not sure if that's true in Europe but in the US tips are added on the card after the fact and the waiter has all the info stored until he closes out, sales are checked against charges etc. to make sure the numbers "look" right.

But would they have the full number or a number with xxxx xxxx xxxx 1234??

 

[DeaverTex]

Mrs. Tex and I have had "suspicious activity" on our credit card reported a couple of times (Thank you USAA!!) but never had one stolen or compromised.

The only thing stopping us from using debit cards any more is that there is NO good way to keep track of how much you're spending. If somebody figures that out, then we'll be carrying a LOT less cash.

 

[Pumbas Nakasak]

Only problem there is the waiter still has all your info until he closes out at the end of the night. Not sure if that's true in Europe but in the US tips are added on the card after the fact and the waiter has all the info stored until he closes out, sales are checked against charges etc. to make sure the numbers "look" right.

tips can be added but only until you enter your pin.

And i can guarantee when i use my card next week it will be blocked and Ill have to call the UK, but better safe than sorry.

 

[flynnibus]

Almost.

The waiter brings the CC terminal to your table. The waiter takes the CC from you and places it into the termainal and then inputs the amount. The waiter hands the terminal to you (the customer) who views the amount to be charged to the card and if you agree with the amount, you input your four digit numeric PIN and the transaction is complete.

So you do actually give up possession of your card, but its never out of your sight.

Not in Norway for instance - you do it all. The staff type in the sale total, you do the swipe/insert, and put in the total charge. Card never leaves your hand.

 

[Banksy]

Cast Members didn't steal your credit card. This seems fake and slandering.

I know it's disney and it is supposed to be all nice and wholesome but it's the real world behind all that fairy dust, unfortunately criminals can get jobs too.:animwink:

 

[Banksy]

The way most CC numbers get stolen is over the internet and scams where people willing give their number to someone who is a total fraud. Even if I wrote down a bunch of CC numbers what can I do with them?? With out a criminal secondary way to use the numbers they aren't much value. Not like you can Goggle a CC number buyer. It takes some effort to find someone who can use the number. Any ways if handled correctly the CC company will end up with it as their problem not your's.

No offence, but i am trying to find how that is relevant to what i wrote.....

 

[Clever Name]

It doesn’t really matter if the credit card number is stolen, except for the temporary inconvenience of getting a new card. In the US, credit card customers are only liable for up to $50.00 and card companies never hold a customer to that liability. Credit card fraud is very common and all companies consider it a small cost of doing business. You’ll find that credit card companies don’t even bother to prosecute petty fraud artists (under $5,000.00) because the costs of pursuing the offenders are too great. Just report your card as stolen and let the credit card company deal with the matter. Get a new card (they’ll be happy to issue you a new one) and move on.

Bottom line is that it’s not going to hurt your credit rating, you can’t be held liable for the fraudulent charges and you can straighten the matter out with your credit card issuer with the 1-800 number which you can find most anywhere. Credit cards are totally secure for the users.

Just let the credit car company handle the matter. They deal with this multiple times every day. :wave:

 

[The Mom]

As mentioned, I've had my CC# stolen. Just a little inconvenient while waiting for a new card.

Having checks stolen was a completely different matter! Many years ago, my bank sent "new" checks, unordered, to all of their direct deposit customers who worked at a certain hospital associated (at that time) with the bank.

I had just moved, and they went to my old address, where someone (the bank turned it over to the police) used them. Their scam was to write the checks out to an individual (with notations!) and I assume that person cashed them, and split the cash.

I didn't find out about it until I started bouncing checks all over town - it was around the holidays.

Thank God the bank still returned checks, and my statement came the same day as my NSF notices. I was able to bring everything to the bank (the new checks were a different color, and of course the handwriting was different) so my money was redeposited, along with fees. But I had to have the bank send letters to all of the businesses that got bad checks.

So, as far as I'm concerned, Credit Cards and debit cards are the way to go! At least I'll have a chance to minimize the damages with one, and the other is a little harder to use, which isn't true for cash. If it's stolen, it's gone.

All honest people can do is make things a little tougher for the crooks - they will always find a way to steal no matter how careful you are.

 

[DisneyMusician2]

It doesn’t really matter if the credit card number is stolen, except for the temporary inconvenience of getting a new card. In the US, credit card customers are only liable for up to $50.00 and card companies never hold a customer to that liability. Credit card fraud is very common and all companies consider it a small cost of doing business. You’ll find that credit card companies don’t even bother to prosecute petty fraud artists (under $5,000.00) because the costs of pursuing the offenders are too great. Just report your card as stolen and let the credit card company deal with the matter. Get a new card (they’ll be happy to issue you a new one) and move on.

Bottom line is that it’s not going to hurt your credit rating, you can’t be held liable for the fraudulent charges and you can straighten the matter out with your credit card issuer with the 1-800 number which you can find most anywhere. Credit cards are totally secure for the users.

Just let the credit car company handle the matter. They deal with this multiple times every day. :wave:

This is absolutely true, I've had it happen right at home. As much as they are abused, credit cards are actually the most secure method of payment you can have when you are out and about.

 

[Master Yoda]

As mentioned, I've had my CC# stolen. Just a little inconvenient while waiting for a new card.

Having checks stolen was a completely different matter! Many years ago, my bank sent "new" checks, unordered, to all of their direct deposit customers who worked at a certain hospital associated (at that time) with the bank.

I had just moved, and they went to my old address, where someone (the bank turned it over to the police) used them. Their scam was to write the checks out to an individual (with notations!) and I assume that person cashed them, and split the cash.

I didn't find out about it until I started bouncing checks all over town - it was around the holidays.

Thank God the bank still returned checks, and my statement came the same day as my NSF notices. I was able to bring everything to the bank (the new checks were a different color, and of course the handwriting was different) so my money was redeposited, along with fees. But I had to have the bank send letters to all of the businesses that got bad checks.

So, as far as I'm concerned, Credit Cards and debit cards are the way to go! At least I'll have a chance to minimize the damages with one, and the other is a little harder to use, which isn't true for cash. If it's stolen, it's gone.

All honest people can do is make things a little tougher for the crooks - they will always find a way to steal no matter how careful you are.

I will be so glad when checks finally go the way of the dinosaur. My wife had her purse stolen out of her car with a book of checks in it. Our options consisted of pay a rather large sum of money to issue a stop payment on the checks or close the account. Fortunately, her purse was recovered with the checks, CC, etc still intact. All they took were her prescriptions (have fun with that asthma medication low lifes) and the few bucks in cash she had.

 

[mickeymatt]

If you check in or use a credit card anywhere at Disney World beware of people that work there stealing you credit card number. My boyfriend checked us in with early online registration ten days before we were to arrive. Charges that he didn't make started showing up on his card that very day and charges were made up until a few days later when the bank caught it because there were charges from Ireland on there. My sister had the same thing happen to her about three years ago. She got a Disney World credit card to use there and someone got the number and charged up stuff at a nearby mall.

This happened with me as well. I use my Disney card only for paying for our Disney trips so that we get the 6 months of no interest. After using the card a couple of months ago to pay for our June trip, charges started showing up including several PayPal purchases and two American Airlines tickets to Puerto Rico. Visa was very helpful and issued us a new card and assured us we would not be liable for the charges, but still, it's a little disconcerting knowing someone is trying to screw you over.

I wouldn't hesitate to continue using reliable credit cards (Citibank Visa, Discover, etc.), but I advise everyone to NEVER use their check card as once that money is spent it is extremely difficult to get back.

http://www.wftv.com/countybycounty/23772659/detail.html

So I am curious did either of you stay at Saratoga Springs on your vacations?

Just wondering if this news story helps us put two and two together?

 

[SHAUN39]

If your staying in a WDW resort leave your CC details at reception then charge everything using your room key,this narrows down how many people get access to you card.Your CC company should have it logged that your hotel has taken a copy of your card,any other use of your card in WDW and it should be stopped,I know this because on my last trip this is what I did,I used my CC at an ATM in my resort and my card was stopped.Luckily I always carry an emergency CC which I leave in the hotel room safe.:wave:

 

[wizards8507]

I will be so glad when checks finally go the way of the dinosaur.

Haven't they? Who uses checks?

 

[flynnibus]

Haven't they? Who uses checks?

Businesses who don't want the hassle of setting up merchant accounts and paying 3% or more to the CC companies right off their top line.

Fundraisers or other smaller NP groups... etc

 

[wizards8507]

Businesses who don't want the hassle of setting up merchant accounts and paying 3% or more to the CC companies right off their top line.

Fundraisers or other smaller NP groups... etc

No, no I understand that. But we're at the point where you don't really need to carry a checkbook around everywhere. You know when you're going to need it.

 

[The Mom]

Unfortunately, there are still companies, etc who require checks. I write about half the number I did even 10 years ago, but I still need to use them.

But, I rarely carry my check book, unless, as you stated, I know I will need it. Like my seamstress.

 

[Banksy]

Unfortunately, there are still companies, etc who require checks. I write about half the number I did even 10 years ago, but I still need to use them.

But, I rarely carry my check book, unless, as you stated, I know I will need it. Like my seamstress.

In england, no where accepts them anymore :shrug: