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Old 02-15-2014, 12:57 PM   #2731
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I've recently heard on NPR radio that identity thieves are charging small items, no more than $8 plus change, hoping that the smaller amounts won't be noticed. Seeeeeya; Chief Longwind of the North
When my credit card fraud was discovered it WAS for a small amount. But my card company also checks for 'unusual' items. time of purchase etc.

The numbnuts that used my card bought small stuff at around 3 A.M. I have never charged anything at that time.

I also think that if I started buying porn videos my card company would be alerted.
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Old 02-15-2014, 01:09 PM   #2732
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Originally Posted by Chief Longwind Of The North View Post

and about that being flagged for activity greater than $100, I've recently heard on NPR radio that identity thieves are charging small items, no more than $8 plus change, hoping that the smaller amounts won't be noticed. So it's becoming more difficult to track credit card fraud. Just saying...
This is true that smaller, petty amounts go unnoticed on CC's. But in my case, if I see multiple under-$10 transactions, my CC provider will see that they do not fit my purchase profile at all as I never charge anything under, say, $25 on my CC.

I think that people who use their CC for every purchase they make, no matter how small, are more prone to these frauds which can slip by them...
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Old 02-15-2014, 01:14 PM   #2733
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My CC company called me after someone tried to use an expired card, in France! I've never been to France. And I always shred old CCs. We had to get new cards, but I was really pleased with the vigilance and service from Chase Freedom. They delivered the new cards the very next day.
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Old 02-15-2014, 01:46 PM   #2734
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We called the CC company when we got Shrek signed up for his prescription plan, it would be an every three month charge. They about had a fit when I bought the last guitar for Shrek...the phone was ringing when we walked in the house. But they are noticing the patterns and circumstances for when we use it. If we go on vacation or like me using it for my trip to Helena, they like having a warning that it will be happening.

The only problem we have had, was a charge of $29.95 on Shrek's debit card online. It was discovered quickly and the company who did the charge replaced the money in our account within 24 hours. They then went after the person who used the information. I understand they were caught quickly.
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Old 02-15-2014, 02:06 PM   #2735
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I need to get my dad to try online banking or at least get him to use his CC to make online purchases. He's got this "fear" and do not trust anyone when it comes to these things.
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Old 02-15-2014, 02:20 PM   #2736
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My CC company used to block my card every time I rented a car from Enterprise. Enterprise processes CC through one of their US branches, so the CC company would see the Canadian charge come in on the same day as the US one and assume it wasn't me.
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Old 02-15-2014, 02:22 PM   #2737
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That's why I call them, to let them know what types of charges will be coming in. I don't want to be in a city I don't know and not be able to use the CC.
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Old 02-15-2014, 02:53 PM   #2738
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Before we went to Aruba I logged into SO's and my CC sites (same CC) and did an online notification giving them the dates we would be in Aruba. Then we went to our usual jewelery store and she wanted to buy a ring. The card was rejected. They called the CC company (Capital One) and I talked to them. They flagged it as a suspicious transaction even though we had notified them just in case the card had been stolen in Aruba. We were able to make the txn. on MY CC and now she won't pay me back. Later that day I got an email flagging the same transaction and telling me to call immediately. I did and all is well.
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Old 02-15-2014, 03:15 PM   #2739
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My CC company used to block my card every time I rented a car from Enterprise. Enterprise processes CC through one of their US branches, so the CC company would see the Canadian charge come in on the same day as the US one and assume it wasn't me.
Every time my mom travels and tries to use her Citi Expedia card, it gets flagged and shut down. Kind of ironic that a card labeled with a travel agency logo would be useless for travel...

This past summer it was shut down twice while she was here. Thing is, she makes this trip often, pays for the tickets with that card and baggage. All they have to do is see that she made a purchase of plane tickets a few months prior and then paid for baggage the day or two prior. It was shut down again at Christmas, so he had to call them yet again. I told her that she needs to dump that card.

I've been very fortunate with Chase so far, they don't give me problems when I travel. My friend has many issues with Citi being shut down, very frustrating.
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Old 02-15-2014, 03:18 PM   #2740
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I used to call Chase everytime before we went to Cozumel, have since been informed that we don't have to call anymore. They've apparently learned our purchase patterns. And we have a Charles Schwab debit card that refunds any out of country ATM transaction fees. I call them before we leave.
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