Credit Card Fraud

[Infidelus]

I have been with my credit card provider (major name in banking) for a loooong time and have had very few issues. I got a text message from them on Saturday morning (early hours) asking me to confirm some transactions. Most of them were fine but one was definitely not me. I called them and confirmed the suspicious transaction was not me and they blocked that card and said they would issue a new one. OK, no problem.

This morning (even earlier hours) I received yet another text from them with another suspicious transaction (this one had been declined), this time on the card with the new number according to the text. So I called them again and they have said that they will, once again, block that card and send me another new one.

I asked them how somebody could have used my new card when I don't even know the number (only the last 4 digits show in my account and I haven't received the card yet) and the woman I was speaking to said "it gets automatically updated". I asked how that was possible as, from every website I have ever purchased from, I always have to manually enter my new card details when the old one expires. She was adamant that it was automatic. I have to admit to getting a little irritated with her at this point and raising my voice (for which I apologised at the end of the call) because I cannot see how that is possible, and she just kept repeating the same thing "it's automatic".

Has anyone else ever come across this?

 

[Infidelus]

Thanks all.

Just a few days ago.

Credit Card Fraud..Barclays

So on Monday I find multiple Meta, Facebook advertisement charges on my credit card, a few quid each occurrence. No biggie. The Barclays fraud line even called me, fantastic. So account is frozen and new card dispatched. New card arrived today, damn thing was still stuck to the letter when...

forums.overclockers.co.uk

I guess I should have searched but didn't think this was going to be a common thing. Mine's Barclaycard too and exactly the same Facebook/Meta charges. I did tell the first woman that I don't use social media - the closest I get is buying games for my Quest 3, and I only have a Meta account, not Facebook.

I guess I may have to look for another credit card provider if this keeps happening as I don't have a backup.

 

[Infidelus]

It's always worth having a backup card on a different account specifically because of fraud, it's also why I do have credit cards and only ever use my debit card online to pay my credit card (although these days I do that in the banking app).

Thanks. I did have a backup card for a few years but ended up cancelling it after receiving some very poor customer service. I've had a few offers of cards from companies I deal with so may take one of them up on it, just for a backup.

If it's an American card provider it's because the card number will just update the last number sequentially until it reaches 9. So a fraudster can just guess the next one if they think it's been blocked.

It's Barclaycard. The last digit wasn't next sequentially and the entire last 4 digits were completely different so they'd have been guessing a few thousand numbers until they got there so I'm guessing it's not that in this instance.