Beware of using a credit card

[Stitchaholic84]

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.

This has happened to me a few times.
You're apparently supposed to let your credit card company know in advance when and where you're going on holiday so they can put it into their system and the card won't get blocked when you try to buy something.
I've done this the past few years and i've always been fine.

Also, I was just about to say that nowhere really in the UK accepts cheques as payment anymore. Same with AMEX.

 

[Pumbas Nakasak]

Sadly some companies use an automated system that isnt intelligent enough to accept exceptions and will block automatically. Warning them before hand just makes it easier to unblock.

 

[sublimesting]

The world is on its way to becoming a CASH only world......cant trust using a credit card anymore and its getting to the point I will not use my check card...would rather a credit card number to lifted over the checking account.

Didn't we just try that for like the last 5 or 6 thousand years?

 

[devoy1701]

The world is on its way to becoming a CASH only world......cant trust using a credit card anymore and its getting to the point I will not use my check card...would rather a credit card number to lifted over the checking account.

this has to be the craziest thing i've read on here! Even crazier than Beastly Kingdom being built!

 

[AEfx]

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.

Very few card # get stolen over the internet from individuals, it's when something happens like the recent issues Sony Online Ent was having and a server gets hacked a lot of cc info falls at once. But no one is looking at your PC watching you enter in a credit card number to buy something off of eBay (and if they are, you have much greater things to worry about).

Most times CC's get stolen from individuals is in a store or restaurant from the person running the card. However, as has been pointed out (and I think you alluded to), all the worry about credit card # theft is really for nothing in most cases, because you simply are not liable. It can be inconvenient to have to wait for a new card, but the law says you are only libel for up to $50, and most credit card companies waive this anyway so they can say, "$0 Fraud Protection" and advertise it as a benefit that you won't be responsible for the $50 (though rarely do they tell you you'd only be responsible for that much anyway).

And yeah, if you have someone's card info, you can certainly shop up a storm online. Or if you have a buddy who works somewhere with a credit card machine, or any number of other ways. Heck, you can process a credit card payment on your iPhone these days.

 

[Goofnut1980]

I had this happen a couple times and it was automatically flagged as fraud on my Disney Debit card for a 0.46 cent charge.. Because I am a spender they told me that it wasn't in my normal spending routine.

But random number generators can play havoc on your cards too. A lot of companies do not care what the expiration date is when entered.. So, if they know what the first 4-8 digits are of a credit card, (those stay the same because it is the bank identifiers) the last 8 are kinda easy to make up with number generators... Basically, anyone can have their card stolen.. It's kinda easy.

I think I watch too much CSI! :ROFLOL:

 

[flavious27]

First, the op sounds like a troll (new member with low post count) that is bashing disney without replying back to anyone.

Second, there is a reason why CC companies can offer you temporary numbers and why you should have a CC associated with your key to the world card.

I worked at a bank so I know of all of the fraud that happens with cards and some of the tools/systems that are in place to try and prevent fraud. Unless you have notes stating overseas travel, any charges overseas are flagged and the customer is notified. VISA's system will allow the first charge and then freeze the card until the customer confirms the charge. The same for when their system detects when transactions are unusual and either above the average transaction amount and or outside the locations of where purchases are made. Along with that, charges at certain stores will flag your card, VISA was freezing cards until the charges were authorized.

Mom I know the pain when your account number is compromised and possibly used, it is a pita that no one would wish on their enemy.

 

[Zummi Gummi]

I completely understand why they do it, and I've been very happy with the measures Visa has in place. However, one incident I had still amuses me, two years after the fact...

It was in 2009 and I was in Disneyland for the first D23. My Disney Visa credit card was flagged and shut down by Visa because of a "suspcicious charge" that I made...at the Disneyland resort.

I called and was able to get it straightened out immediately, but the irony of the situation always makes me chuckle. :lol:

 

[Disneyfan1981]

Haven't they? Who uses checks?

:lol: Whenever I see someone write out a check at the grocery store or Target, they always get looks like they were travelers from the fifth dimension. One time I went to a Safeway and the cashier actually had to get her manager to help process it. Unfortunately I still have bills I have to pay via Check because they don't accept CC on a site or allow Billpays so I have one box which has lasted 6 years.

I'm sorry to hear about your CC info stolen, but unfortunately this can happen anywhere from the water you swipe for at the airport, to paying for the cab ride to the churro stand in AK. Literally it's difficult to really pinpoint. Other than it happened on the actual timespan of the trip.

It'll only get worse once things like Google Wallet take off where your smartphones are the base form of currency attached to a bank account or CC. Phones are some of the easiest hacked things out there.

 

[meekoman]

I once had my CC# used to buy airline tickets in and out of Norway. Funny thing was that I had not even used the card at all. Not once and somehow someone got the number.

 

[flavious27]

I completely understand why they do it, and I've been very happy with the measures Visa has in place. However, one incident I had still amuses me, two years after the fact...

It was in 2009 and I was in Disneyland for the first D23. My Disney Visa credit card was flagged and shut down by Visa because of a "suspcicious charge" that I made...at the Disneyland resort.

I called and was able to get it straightened out immediately, but the irony of the situation always makes me chuckle. :lol:

That is amusing, two years later. It was sometimes painful to tell someone what purchase flagged their account and why, because they will give you that face.

 

[flavious27]

I once had my CC# used to buy airline tickets in and out of Norway. Funny thing was that I had not even used the card at all. Not once and somehow someone got the number.

That sounds like someone in the printing department or the company that prints the cards was stealing customer info.

 

[Raven66]

My husband had to go to Canada for business and we had to call the bank to let them know. They wanted to know where he would be and how long he would be there. We had to do this each time he went.


I still use checks for some bills that I don't pay online. So like another poster said, I've had one box that is lasts over a year so far.

 

[Figment1986]

Haven't they? Who uses checks?

my apartment complex still requires checks.. or E-payment which I have yet to set up due to laziness...

 

[The Mom]

As mentioned, I called my CC company to let them know I would be out of the country. However, I still had to call them because of a declined transaction - it cost me $15 to place the "free" call because of the hotel phone charge.

It was because my tour guide was using a mobile scanner to process payments for specific entrance fees, etc which added up to a fairly large charge (4 people). The combination triggered a fraud alert, as mobile scanners are popular with thieves.

 

[OurDailyGruel]

So what's the strategy to minimize cc fraud while at the World?

Having a designated cc for just hotel and flight reservations (not mall or eatery charges) and alerting your cc company beforehand that there shouldn't be any other charges? And packing an extra cc whose number isn't given to CMs for emergencies?

I am already planning to eat OOP because of some forum posters having problems with their meal credits being miscalculated and tips double dipped. Plus the meal plans just don't work out for my style of eating.

And I don't think we'll be in the stores that much despite the Disney talent for retail. We won't be trading pins or buying stuffed animals.

 

[meekoman]

That sounds like someone in the printing department or the company that prints the cards was stealing customer info.

I guess we did use it once for a balance transfer because of interest rates, so, someone between the two card companies had to be the culprit.

 

[flavious27]

I had this happen a couple times and it was automatically flagged as fraud on my Disney Debit card for a 0.46 cent charge.. Because I am a spender they told me that it wasn't in my normal spending routine.

But random number generators can play havoc on your cards too. A lot of companies do not care what the expiration date is when entered.. So, if they know what the first 4-8 digits are of a credit card, (those stay the same because it is the bank identifiers) the last 8 are kinda easy to make up with number generators... Basically, anyone can have their card stolen.. It's kinda easy.

I think I watch too much CSI! :ROFLOL:

They will need that information to validate the transaction, they can't just run down the list of numbers and just use them, whole banks would be swamped with customers complaining about fraudulent charges.

 

[MAF]

The world is on its way to becoming a CASH only world......

LMAO! Thanks for the laugh this morning, I needed it. :ROFLOL: