Both credit card details stolen

mx5dob

Hi,

Just today I discovered both my credit cards were used fraudulently. One transaction on each card was the same.

How is is possible that both card details were stolen? All I can think of is that someone at work has gone through my things when I wasn't at my desk and taken the details. No one else would have had access to both cards.

I'd like to think it wasn't them though. Is there some way criminals got have gotten hold of both card details?

grumbler

Other possibilities:

• you using some infected computer for online shopping and using both cards to pay;
• member of family or housemate.

zagfles

Or possibly at a retailer (eg petrol station) where they took a swipe of your card and claimed it wasn't working, and asked you for another one?

Fruit_and_Nut_Case

grumbler wrote: »

Other possibilities:

• you using some infected computer for online shopping and using both cards to pay;
• member of family or housemate.

• someone drugged you
• someone grabbed them when you were changing at a sports centre

Endless possibilities.

mx5dob

Aha! i remember now. I tried to buy some Rayban's from a web shop with one card, it was declined so used another (which was also declined)
Thanks for the help everyone

Glad I'm being refunded, I'll be more careful in future and only shop from well known online retailers.

dj1471

There seem to be a lot of fake shops online which have too-good-to-be-true prices and exist solely to harvest card details and/or e-mail addresses and passwords by making you register. These seem to be especially prevalent in Google Shopping results. Always look for a postal address on the site - if there isn't one it's probably fake.

gunsandbanjos

dj1471 wrote: »

There seem to be a lot of fake shops online which have too-good-to-be-true prices and exist solely to harvest card details and/or e-mail addresses and passwords by making you register. These seem to be especially prevalent in Google Shopping results. Always look for a postal address on the site - if there isn't one it's probably fake.

I'm always amazed at the number of people who buy from dodgy websites.

You wouldn't hand your credit card details to a random bloke on the street but you'll merrily type them into a website because you think you're getting a great (too good to be true usually) deal.

DCFC79

Fruit_and_Nut_Case wrote: »

• someone drugged you
• someone grabbed them when you were changing at a sports centre

Endless possibilities.

Used it in a bar while drunk/a bit tipsy and the barman swiped your card and you had a someone behind looking over your shoulder for the PIN.

yangptangkipperbang

gunsandbanjos wrote: »

I'm always amazed at the number of people who buy from dodgy websites.

You wouldn't hand your credit card details to a random bloke on the street but you'll merrily type them into a website because you think you're getting a great (too good to be true usually) deal.

I'm even more amazed at the number of people who do this with their debit card.............................:eek::eek::eek:

grumbler

yangptangkipperbang wrote: »

I'm even more amazed at the number of people who do this with their debit card.............................:eek::eek::eek:

Personally, I don't see much difference as debit cards and credit cards have identical protection from unauthorised using.

DCFC79 wrote: »

Used it in a bar while drunk/a bit tipsy and the barman swiped your card and you had a someone behind looking over your shoulder for the PIN.

I selected the most likely scenarios for more than one card compromised at the same time. I agree that a dodgy website is the most likely one if both cards were used.

zagfles

grumbler wrote: »

Personally, I don't see much difference as debit cards and credit cards have identical protection from unauthorised using.

They don't. The CCA 1974 gives greater protection for credit cards, for instance in the case of gross negligence, you can only be held liable for £50 with a credit card but the lot with a debit card (though not sure what happens if the debit card spending causes you to go overdrawn - that might then be covered by the CCA, not sure).

Plus if a debit card is used it's your money, you're out of pocket till it's sorted, could cause DD's etc to bounce, with a credit card it's the bank's money.