If I report a fraudulent transaction to Halifax, will they cancel my credit card?

Gary_Laurus

Hi all,

I discovered several unfamiliar transactions on my credit card, which I promptly reported to Halifax's fraud prevention department. They took immediate action and disallowed those transactions.

However, when I logged into my account today, I noticed a charge of $1200 from a company I've never heard of. This amount is significantly higher than my typical spending on the card. If I report this and dispute the charge, will Halifax block my card? It's worth mentioning that I am currently abroad and heavily rely on this card for withdrawals and payments.

I have been a cardholder with Halifax for over 15 years and have never experienced such an issue before.

Could you please let me know the timeframe within which I should report a fraudulent transaction?

If anyone has any advice based on their personal experiences, I would greatly appreciate it.

powerful_Rogue

Gary_Laurus said:

Hi all,

I discovered several unfamiliar transactions on my credit card, which I promptly reported to Halifax's fraud prevention department. They took immediate action and disallowed those transactions.

However, when I logged into my account today, I noticed a charge of $1200 from a company I've never heard of. This amount is significantly higher than my typical spending on the card. If I report this and dispute the charge, will Halifax block my card? It's worth mentioning that I am currently abroad and heavily rely on this card for withdrawals and payments.

I have been a cardholder with Halifax for over 15 years and have never experienced such an issue before.

Could you please let me know the timeframe within which I should report a fraudulent transaction?

If anyone has any advice based on their personal experiences, I would greatly appreciate it.

Straight away.

Gary_Laurus

powerful_Rogue said:

Gary_Laurus said:

Hi all,

I discovered several unfamiliar transactions on my credit card, which I promptly reported to Halifax's fraud prevention department. They took immediate action and disallowed those transactions.

However, when I logged into my account today, I noticed a charge of $1200 from a company I've never heard of. This amount is significantly higher than my typical spending on the card. If I report this and dispute the charge, will Halifax block my card? It's worth mentioning that I am currently abroad and heavily rely on this card for withdrawals and payments.

I have been a cardholder with Halifax for over 15 years and have never experienced such an issue before.

Could you please let me know the timeframe within which I should report a fraudulent transaction?

If anyone has any advice based on their personal experiences, I would greatly appreciate it.

Straight away.

However, my concern is that if I report the fraudulent transaction and Halifax decides to freeze or block my card, I will be left without access to cash and credit while I am abroad.

MorningcoffeeIV

Do you not have any other cards at all?   You should never leave yourself reliant on a single payment method, especially when out of the country.

I wouldn't delay reporting it. Take some cash out first if need be.

oldernonethewiser

And if the fraudulent transactions mount up without you reporting it, what then?

eskbanker

Gary_Laurus said:

I discovered several unfamiliar transactions on my credit card, which I promptly reported to Halifax's fraud prevention department. They took immediate action and disallowed those transactions.

Didn't they cancel the card on that occasion?

MalMonroe

Hi, is it a Clarity card, specifically for use when travelling?

If so they say this "Complete fraud protection: you won’t be charged for transactions you didn’t authorise, as long as you tell us right away when you spot something odd, or lose your card."

You have to tell them immediately - if you wait there's a possibility that they won't refund you because they'll wonder why you waited. And there's the risk that whoever took the $1200 will be back for more if they think they've got away with it. Other unauthorised companies could do the same thing, too. If not reported, you may well be held liable for the repayments.

The best thing to do is to report this asap - it sounds as if Halifax definitely need to tighten up their security measures - and if they say they'll have to block or freeze your card, just explain your situation to them and tell them that you need immediate access to funds. 

Good luck, hope you manage to sort out this frustrating problem. 

penners324

Sounds like your card has been cloned wherever you are in the world.

Opening a Chase or Starling account and using GPay or ApplePay sounds prudent. Both doable while overseas 

powerful_Rogue

MalMonroe said:

Hi, is it a Clarity card, specifically for use when travelling?

If so they say this "Complete fraud protection: you won’t be charged for transactions you didn’t authorise, as long as you tell us right away when you spot something odd, or lose your card."

You have to tell them immediately - if you wait there's a possibility that they won't refund you because they'll wonder why you waited. And there's the risk that whoever took the $1200 will be back for more if they think they've got away with it. Other unauthorised companies could do the same thing, too. If not reported, you may well be held liable for the repayments.

The best thing to do is to report this asap - it sounds as if Halifax definitely need to tighten up their security measures - and if they say they'll have to block or freeze your card, just explain your situation to them and tell them that you need immediate access to funds. 

Good luck, hope you manage to sort out this frustrating problem. 

More likely the OP does.

born_again

Any fraud on card = stopped & replaced. If you do not tell them, anything further could mean that they hold you liable for not informing them as soon as you were aware. 

I suggest you go into the Halifax APP, freeze card, till you need to use it them unfreeze. 

Or you could end up overlimit & no option but to report the fraud.

Fraud checks are not based on personal usage, they are based on fraud patterns.

blue.peter

I did report a series of fraudulent transactions on my credit card (5 * £100, all in the same night and to the same payee)  to Halifax. This was in about 2008. The didn't cancel my card.

Like others here, my advice is to report it ASAP.