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Credit card number compromised #5319595 01/11/20 11:26 AM
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Donald Online Content OP
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My Capitol One card was compromised and used for some $20 charges that Capitol One caught. I thought the low cost charges were odd. Would have expected higher fraudulent charges. The card never left my hands and is still in my wallet. It's a fairly new card. With a chip. The fraudulent charges were online. I went online, the merchant requires a CCV. Where did they get that? Do not believe I used it at any place that was not chip enabled. Tough to remember every charge activity even looking at statement.

I am leaning towards the card was compromised as being made or in mail.

Card has been replaced so not worried about new fraudulent charges.

Curiosity I guess. I am in computer security for mainframes but not this end of things.


2015 Ford F-250 w/Powerstroke
2016 Subaru Crosstrek CVT (wife's)
Re: Credit card number compromised [Re: Donald] #5319602 01/11/20 11:32 AM
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FA_WRX Offline
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I think most times the fraudulent charge is small to try and fly under the radar. It's happened to me a few times all debit cards.


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Re: Credit card number compromised [Re: Donald] #5319608 01/11/20 11:39 AM
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JLTD Offline
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Sounds like someone has access to a high number of cards' information. $20 spread over 1000 cards will probably net more than trying large amounts over few cards since people are more likely to let a small charge slide - human nature to assume they made a small charge they forgot about.

A couple years back I had the same thing happen with two cards at once. Numerous small weird charges. Looked at the history of both cards and there was only one place I had used both.


"Let’s not pretend like 0w20 is anything but a CAFE required crutch to eek another 1/2MPG" - BLND1

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Re: Credit card number compromised [Re: Donald] #5319610 01/11/20 11:39 AM
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Mad_Hatter Offline
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Have you run a check for malware? Trojans can log keystrokes and send the info back to whomever, wherever.

Re: Credit card number compromised [Re: Donald] #5319624 01/11/20 11:46 AM
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bullwinkle Offline
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When it has happened to me, they start out small, with weird charges, sometimes under $1. Then they work their way up to bigger ones. File a fraud alert, I think I would even do a Big 3 credit freeze, the CC company will do a chargeback & you won't have to pay. This is the main reason to NEVER have a debit card!


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Re: Credit card number compromised [Re: Mad_Hatter] #5319626 01/11/20 11:48 AM
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Originally Posted by Mad_Hatter
Have you run a check for malware? Trojans can log keystrokes and send the info back to whomever, wherever.


Most credit card fraud is internal

My folks had cards they had never used get “stolen”


That said every time I have used a credit card for an online purchase it gets stolen.
Method, security, system doesn’t matter card still gets stolen.

I have resorted to “phone orders” and oddly enough card is never ripped off now.


The trouble now days is that most credit card information is public and for sale to scammers.
The only reason you don’t see more fraud is because the credit card company is very good at identifying fraud by tracking complex data both cellular and IP based during transactions.

The trouble is that if a scammer has stolen your identity and possibly one of your personal effects these systems can be tricked, especially if the scammer is nearby, many times when I go to Minnesota even though I do nothing online I end up with fraudulent purchases made in Minnesota

Sad state of affairs

Re: Credit card number compromised [Re: Donald] #5319637 01/11/20 11:54 AM
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CT8 Offline
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Happens more often than not a few years ago My card was replaced 3 times. Random number generators are used.


2015 F150 2.7
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Re: Credit card number compromised [Re: bullwinkle] #5319646 01/11/20 12:00 PM
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doitmyself Offline
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Originally Posted by bullwinkle
This is the main reason to NEVER have a debit card!


I just brought this up in another recent thread. My credit union and many other institutions offer 100% fraud protection for debit cards.

Re: Credit card number compromised [Re: Donald] #5319711 01/11/20 12:44 PM
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daves87rs Offline
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We’ve caught quite a few folks with “scanners” in the local area....

Alll you have to do is drive by/....


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Re: Credit card number compromised [Re: Mad_Hatter] #5319719 01/11/20 12:49 PM
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Donald Online Content OP
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Originally Posted by Mad_Hatter
Have you run a check for malware? Trojans can log keystrokes and send the info back to whomever, wherever.


I do not believe I used the card online ever. I have premium Malwarebytes and ESET on phone and PC.

I try and use PayPal online.


2015 Ford F-250 w/Powerstroke
2016 Subaru Crosstrek CVT (wife's)
Re: Credit card number compromised [Re: daves87rs] #5319725 01/11/20 12:53 PM
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Donald Online Content OP
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Originally Posted by daves87rs
We’ve caught quite a few folks with “scanners” in the local area....

Alll you have to do is drive by/....


I think you need to be pretty close to scan. And the card must be enabled so it needs to have the radio icon on back. This card had that icon however. So it's possible.


2015 Ford F-250 w/Powerstroke
2016 Subaru Crosstrek CVT (wife's)
Re: Credit card number compromised [Re: bullwinkle] #5319733 01/11/20 12:57 PM
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Donald Online Content OP
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Originally Posted by bullwinkle
When it has happened to me, they start out small, with weird charges, sometimes under $1. Then they work their way up to bigger ones. File a fraud alert, I think I would even do a Big 3 credit freeze, the CC company will do a chargeback & you won't have to pay. This is the main reason to NEVER have a debit card!



They have not stolen my identity, just info from my credit card so what you suggest about credit freeze is not warranted.


2015 Ford F-250 w/Powerstroke
2016 Subaru Crosstrek CVT (wife's)
Re: Credit card number compromised [Re: daves87rs] #5319737 01/11/20 12:58 PM
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Donald Online Content OP
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Originally Posted by bullwinkle
When it has happened to me, they start out small, with weird charges, sometimes under $1. Then they work their way up to bigger ones. File a fraud alert, I think I would even do a Big 3 credit freeze, the CC company will do a chargeback & you won't have to pay. This is the main reason to NEVER have a debit card!



They have not stolen my identity, just info from my credit card so what you suggest about credit freeze is not warranted.
Originally Posted by daves87rs
We’ve caught quite a few folks with “scanners” in the local area....

Alll you have to do is drive by/....


So maybe a reason to not carry cards with the radio logo on back?


2015 Ford F-250 w/Powerstroke
2016 Subaru Crosstrek CVT (wife's)
Re: Credit card number compromised [Re: doitmyself] #5319740 01/11/20 01:02 PM
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hallstevenson Offline
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Originally Posted by doitmyself
Originally Posted by bullwinkle
This is the main reason to NEVER have a debit card!


I just brought this up in another recent thread. My credit union and many other institutions offer 100% fraud protection for debit cards.

This is correct. If a credit union doesn't offer the same protection, well, they suck. Switch. Ours does and I happily mention this, and "educate" misinformed people, plenty of times. That said, I hope I never need to test this !

Re: Credit card number compromised [Re: Donald] #5319760 01/11/20 01:18 PM
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I no longer use a credit card at the gas pump. Cash only.

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