thank god for credit card fraud units..(bitch did it again!)

[ZfrkS62]

I got a call this morning from my credit card company saying there had been a $236 transaction last night on my card over the internet to some direct marketing company in new york :shock: Had they not called i would not have known about it until i got my next statement in a couple weeks.

They suspended my card account and they are sending me a new card with a new account # and i'm not liable for the transaction fortunately.

I don't know how cc# got out since i rarely use it, but i'm glad the company caught it and i hope they catch the little cunt who tried to fuck me over :?

[gucom]

wow its ur lucky day! lots to be done with 236 dollars...and nice to see they're paying attention at ur credit card company :D BTW why is a creditcard so widespread in the US? i dont really see the advantages above a bank account card with PIN or whatever its called over there...sum1 plz enlighten me? :roll:

[ZfrkS62]

With a credit card you are spending money you don't have. the credit card company says "here, we'll give you this card and you can use it to buy stuff up to X amount of money". You still have to pay it back with interest.

With a Debit card, it's pretty much an ATM card you can use anywhere. It's attatched to your bank account so when you use it at the store, instead of building up a balance with the credit card company, it just comes right out of your bank account.

[gucom]

yeah which is why i find an ATM card much better...u dont get a debt, and u only pay as much as ur paying, not extra rent...i really dont know why credit cards are so popular in the US, unless ppl there like to spend money they dont have...with an ATM card u never get any debt, if ur out of money u jsut cant pay anymore...maybe americans are out of money alot because of their spending patterns? :roll: ah well monthy python's the meaning of life is on tv now so im gonna stop thinking about stuff like this, ive got college again soon enough...

[T-Bird]

I use credit cards to build up my credit score.

[antonioledesma]

you were really lucky Z. cc# are very easy to obtain. Just look how many times you hand it over, the seconds or minutes you don't see it, etc. My family has a little store, and you wouldn't believe the times ppl forget their CC, hand them over as candies, signing anything you hand them over, etc.

here that we are invaded by USA's culture, we're spending a lot with CC. For an monthly wage of 400usd you can obtain countless CC with a limit of... 1000usd or more for each card. Great isn't it? until you start to pay everything
another thing that a CC allows you to do it... is to buy a PC, laptop, furniture, stereos, whatever in a department store and pay it in easy and tiresome 12 installments

[ZfrkS62]

my cards stay in my wallet and i never take my eyes off the clerk when i hand them the card.

[bmagni]

you never know when this is gonna happen, never happened to me or my family but well its easy to do, maybe theyll contact you and have a friend of yours arrested :lol:


here that we are invaded by USA's culture, we're spending a lot with CC. For an monthly wage of 400usd you can obtain countless CC with a limit of... 1000usd or more for each card. Great isn't it? until you start to pay everything
another thing that a CC allows you to do it... is to buy a PC, laptop, furniture, stereos, whatever in a department store and pay it in easy and tiresome 12 installments

thats why you use a debit card or AmEx :D
people rarely know how to use credit cards, like you say with a low wage you can get a big credit and then when they realize it, they have lots of debts and not enough money to pay...

[antonioledesma]

Z, have you used them via internet?


thats why you use a debit card or AmEx :D.

amex is the work of the devil :? :P

[ZfrkS62]

i've used the card in question maybe once over the net and i don't remember what it was for, but it was not for 236 bucks :?

[SFDMALEX]

wow its ur lucky day! lots to be done with 236 dollars...and nice to see they're paying attention at ur credit card company :D BTW why is a creditcard so widespread in the US? i dont really see the advantages above a bank account card with PIN or whatever its called over there...sum1 plz enlighten me? :roll:

Cause everybody here is poor, everybody lives here on credit, house on credit, car on credit, TV on credit...Thats how things work here...I personaly only use credit cards to shop online, and my father is so old school that he has 100 grand in his savings account, and doesnt want to buy a house because he doesnt want to be in debt... :wink:

[bmagni]

thats why you use a debit card or AmEx :D.

amex is the work of the devil :? :P

yeah, its just a service card as they call it, and status card too, hehe
If you dont pay in time you pay the highest interest ever... 50%+
so like that you know if you dont pay you'll suffer...
now they have released the lowest interest credit card in mexico (TIIE + 9% of interest) but its a credit card

[antonioledesma]

i've used the card in question maybe once over the net and i don't remember what it was for, but it was not for 236 bucks :?

wonder how "they" got your number. Maybe they got it from your computer



thats why you use a debit card or AmEx :D.

amex is the work of the devil :? :P

yeah, its just a service card as they call it, and status card too, hehe
If you dont pay in time you pay the highest interest ever... 50%+
so like that you know if you dont pay you'll suffer...
now they have released the lowest interest credit card in mexico (TIIE + 9% of interest) but its a credit card

status...omg... even the ppl that have the "blue amex" card think they're out of everyone's league :lol: they're hot shots LOL
I love/hate my amex card, but it's a hard hit on your pocket when you don't pay in time :?

[bmagni]

status...omg... even the ppl that have the "blue amex" card think they're out of everyone's league :lol: they're hot shots LOL
I love/hate my amex card, but it's a hard hit on your pocket when you don't pay in time :?

well its more poser, i know, but status sounds more convenient to us non posers.

The blue amex is a credit card if im not wrong and if people feel special cause of owning that, well :lol:

[antonioledesma]

status...omg... even the ppl that have the "blue amex" card think they're out of everyone's league :lol: they're hot shots LOL
I love/hate my amex card, but it's a hard hit on your pocket when you don't pay in time :?

well its more poser, i know, but status sounds more convenient to us non posers.

The blue amex is a credit card if im not wrong and if people feel special cause of owning that, well :lol:

hey... I'm from Lindavista... so I'm a poser with my dad's amex card 8) LOL

and yes the blue amex is a credit card, but ppl feel VERY special with that credit card. They only ask a monthly wage of 5000 pesos or a bank account with 10000 pesos for the last 3 months

[nchs09]

that sucks. i lost my card one time...

the enxt day i call to cancel it. and then my parents are like "why did u waste 300 dollars in gasstations?" i was like FUK....


called to make the claim but then i got to lazy to fill out all the paper work. so i lost 300 bucks :(

[ZfrkS62]

that sucks. i lost my card one time...

the enxt day i call to cancel it. and then my parents are like "why did u waste 300 dollars in gasstations?" i was like FUK....


called to make the claim but then i got to lazy to fill out all the paper work. so i lost 300 bucks :(

That was a pretty dumb idea. something like that it doesn't matter how lazy i am, i'm filling that shit out :shock:

[ARMAN]

S*it :shock: I hope they'll catch the ass*ole who wanted to rob you Z :x

They dont give it to me :lol: And thats only good :twisted:

[T-Bird]

BTW why is a creditcard so widespread in the US? i dont really see the advantages above a bank account card with PIN or whatever its called over there...sum1 plz enlighten me? :roll:
Maybe not in Holland, but lots of CC's in Belgium.

Doesn't cost me a thing, since i'm under 26. Then you pay like €25 a year for the card (visa). Everything is ok if you have the money on your account at the end of the month, if you're short they charge extra.

When driving true france, visa rules at the peage. You win a lot of time by it, and don't have to search for that extra cent you're short ;)

Also for online transactions it's easy, and rather safe.


The only thing that's different is that we don't buy houses and cars with our credit card ;)

We don't buy houses or cars with Credit Cards (maybe a few do) we get loans for that since when you are first getting married and having kids you don't have $300,000 for a new house and cars (average house here in northern illinois [3 bedroom, 2.5 bath, 2 car garage] starts at $200,000) so you get a loan.

[abbor]

Maybe they got your credit card and pin from one of those fake ATM-machines that they put on top of the real one... They look so real, you usually have no idea how you've been frauded...

[ZfrkS62]

Maybe they got your credit card and pin from one of those fake ATM-machines that they put on top of the real one... They look so real, you usually have no idea how you've been frauded...

i don't take cash advances from it so if they were going to do that it would have been my debit card. I only use the atm at my bank anyway.

[nchs09]

well i wasnt lazy. i made the calls... and they were supposed to send me some shit to fill out but they never sent it. i called again and they enver setn it. after that i got lazy. told the rents casue it was their creditcard and they were like fuck it.

[ZfrkS62]

I got ANOTHER fucking call this morning that the NEW card, which i don't even have the fucking number to yet, was just used this morning at an online shoe retailer for 148 bucks :?

I called the company and they said it was supposed to ship to Tuscon, AZ :?

This is seriously fucking pissing me off. This happened to my mom a few years ago with 7 straight cards. Turned out to be the postal worker who was supposed to be delivering the cards :? hopefuly they catch the faggot that's been trying to steal my identity (not that it's a great one to steal) and lock his/her ass up :fist:

I'm royally confused as to how someone could have gotten my number before me, especially in Arizona :?

[SilviaEvo]

ahhhhh dude what the fuck?!!? i say cancel the account after you've straightened it out. twice in about the same month is not a good sign man.

[ZfrkS62]

no shit. i told them i dont want the account active until it's straightened out. I have to call the fraud unit on monday to talk to whoever is taking care of this.

my mom said to have the card sent registered mail or fedex once this is straightened outm but it's gong to take 60-90days :?

[stracing]

you have to wait till monday? they should be available 24x7

but i've got a feeling more than your credit card is stolen. these days its not your credit card you have to worry about, but where you live, licenses, etc things that identify who are, are the things that you must protect.

g'luck in sorting out the situation. just hope your profile isn't up there for sale!