Capital One - new card due to security

Izadora

I received an email from Capital One this morning stating "We often receive information from Mastercard and Visa that helps us improve our security. On this occasion, the safest thing to do was to send a new card(s) out to you."

What is likely to have caused this and is there anything I personally can do to stop it happening again?

I only received a new card 6 months ago, for the exact same reason, and I know that I'll forget to change my card details on at least one website and end up trying to pay with the old one.

StopIt

If this is the second time?


Something may be compromised. Do you use internet banking, buying stuff online etc. Is the security on your computers etc up to date, and clear of potential sources of malware?


Make sure you are on top of your internet security for a start, and make sure nothing untoward is on your credit reports if people are indeed trying to use your details.

Izadora

I use internet banking and shop online but mostly from my work computer, where security is going to be pretty good.

I occasionally shop using my phone but that's pretty rare.

I also check my credit reports each month and there have been no searches which I wouldn't have expected.

[Deleted User]

You should never do any internet banking or the like on a work PC - you have no idea what's being recorded, where, or who is monitoring what you're doing.

I don't do it - and I work in IT!

BlondBoy

I had this a couple of times with Capital One too.

All good advice above. But may well be outside of your control. Could be breaches of retailers/suppliers' databases that contain your card details and they've found them on lists of card details being traded between hackers.

Wouldn't worry too much; my experience was fine and nothing happened as a result. Keep checking your statements and online balances though.

Izadora

!!! wrote: »

You should never do any internet banking or the like on a work PC - you have no idea what's being recorded, where, or who is monitoring what you're doing.

I don't do it - and I work in IT!

Oops, I always presumed that it would be safer than using my phone or tablet.

eco_warrior

BlondBoy wrote: »

I had this a couple of times with Capital One too.

All good advice above. But may well be outside of your control. Could be breaches of retailers/suppliers' databases that contain your card details and they've found them on lists of card details being traded between hackers.

Wouldn't worry too much; my experience was fine and nothing happened as a result. Keep checking your statements and online balances though.

Most likely cause for this sort of thing.

verybigchris

I had the same info a couple of months ago. What surprised me was that they didn't block my existing card, and I was able to keep using it until the new one arrived. When it did arrive, it had the same card number as the old one, with the only differences being the dates and the CCV.

Zorz2

I had exactly the same experience. Email and notification text arrived yesterday, and new card today. Like others said, the email said that the old card would continue to work until the new one gets activated (so, it can't really be an immediate emergency!) and the new one has the same number, just CVC and expiry dates are changed obviously.

No weird transactions in my account.