just wondering, what is the source of this article?
because there are several things that make me wonder the credibility of this article..
mainly, the man from scene 1...
1) you say he didn't get the credit card bill a few weeks later...does that mean he didn't use his card for at least a couple weeks? because if he did use his card before he got the bill, the transaction would have failed and he would have noticed that it was an expired card and another name
2) even if you swipe small amounts on your credit card, Visa WILL alert you, especially if you are spending way over your monthly average. I always get called by Visa to verify my transactions..because they will notice a spending pattern. Once they even suspended my card before telling me and I ended up having to call them to reactivate the card..just because i was trying to purchase something over $1000. Of course, unless the guy in the scenario #1 always spends $14 000 every month....then of course Visa or any credit card company would not notice any abnormalities
3) Visa will almost always cover non-authorized purchases on your card. Also they will compare the recent transactions..so unless the scammer was using the card in the local area (but usually these scams have the credit card used somewhere else), the credit card company would have noticed how is it possible to buy something in Vancouver and also in China or japan in the same day.
As for scenario #2...there are several restaurants that I would NEVER use my credit card at in Richmond....my mom used to work in a bank and many customers were telling her that their credit card was copied and used...then my dad's card also got copied. The one and only place that all of these people went to was a restaurant in Richmond. After they went there, their card was compromised. So..eventhough I still go to that restaurant to eat, i would never use my credit card there.
There are also several gas stations that I would never use my card at..because my dad's card (again) got copied. The gas station would always say 'oh, our credit card machine in the gas pump is not working, so can i please take your card inside for the transaction?'.... |
發表於 2008-4-4 10:37
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