Good advice Humph. I had some credit card fraud about a year ago. The Mastercard isn't used often but I'd use it maybe for online stuff and in restaurants. I don't use debit cards for either as there's no protection.
My card details must have been copied a long time earlier as I'd not used it in ages. All it takes is for someone who works for a company to note down the information and pass it on, e.g. when using it to buy something over the phone.
When I did get back I spotted what they'd used it for and tried to stop some items (from Sainsbury's) being dispatched. When I got through to Sainsbury's they could not talk to me about the order due to 'data protection' even though I pointed out the order was fraudulent and they were about to lose out. Basically they had to protect the privacy of the thief!
The card had also been used to purchase car insurance - obviously they only wanted the insurance certificate because the insurance would be cancelled.
EDIT: And I was made aware of the fraud pretty soon after it was committed by the card provider by way of an automated call. The purchasing pattern was picked up automatically and flagged the transactions... it was Barclays. The Bank also watches debit card use overseas... so if you don't tell them you're going overseas you may find the card doesn't work and you get a phone call. All fine by me ;-)
Last edited by: rtj70 on Wed 27 Apr 11 at 11:06
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