3 interesting kinds of credit card scams

[deadman1204]

This was forwarded to me and I thought I'd pass it along.

> These are kind of interesting:

>

>

> Credit Card Scams

>

>

> These 3 scenarios are very good ones to read if you

> have a credit card.

> What they won't think of next! Be sure to read

>

> SCENARIO 1: This is a new one. People sure stay

> busy trying to cheat

> us, don't they?? A friend went to the local gym

> and placed his

> belongings in the locker. After the workout and a

> shower, he came out,

> saw the locker open, and thought to himself,

> "Funny, I thought I

> locked the locker. Hmmmmm." He dressed and just

> flipped the wallet to

> make

> sure all was in order. Everything looked okay - all

> cards were in place.

>

> A few weeks later his credit card bill came with a

> whopping bill of

> $14,000!

>

> He called the credit card company and started

> yelling at them, saying

> that he did not make the transactions. Customer

> care personnel

> verified that there was no mistake in the system

> and asked if his card

> had been stolen. "No," he said, but then took out

> his wallet, pulled

> out the credit card, &!#%$^#, and yep ? you guessed

> it - a switch had

> been made. An expired similar credit card from the

> same bank was in

> the wallet. The thief broke into his locker at the

> gym and switched

> cards.

>

> Verdict: The credit card issuer said since he did

> not report the card

> missing earlier, he would have to pay the amount

> owed to them. How

> much did he have to pay for items he did not buy?

> $9,000! Why were there

> no

> calls made to verify the amount swiped? Small

> amounts rarely trigger a

> "warning bell" with some credit card companies. It

> just so happens that

> all the small amounts added up to big one!

>

> SCENARIO 2: A man at a local restaurant paid for

> his meal with his

> credit card. The bill for the meal came, he signed

> it, and the waitress

> folded the receipt and passed the credit card

> along. Usually, he would

> just take it and place it in his wallet or pocket.

> Funny enough, though,

>

> he actually took a look at the card and, lo and

> behold, it was the

> expired card of another person. He called the

> waitress and she looked

> perplexed. She took it back, apologized, and

> hurried back to the

> counter under the watchful eye of the man. All the

> waitress did while

> walking

> to the counter was wave the wrong expired card to

> the counter cashier,

> and the counter cashier immediately looked down and

> took out the real

> card.

> No exchange of words --- nothing! She took it and

> came back to the man

> with an apology.

>

> Verdict: Make sure the credit cards in your wallet

> at yours. Check the

> name on the card every time you sign for something

> and/or the card is

> taken away for even a short period of time. Many

> people just take back

> the credit card without even looking at it,

> "assuming" that it has to

> be theirs. FOR YOUR OWN SAKE, DEVELOP THE HABIT OF

> CHECKING YOUR CREDIT

> CARD EACH TIME IT IS RETURNED TO YOU AFTER A

> TRANSACTION!

>

> SCENARIO 3: Yesterday I went into a pizza

> restaurant to pick up an

> order that I had called in. I paid by using my Visa

> Check Card which,

> of course, is linked directly to my checking

> account. The young man

> behind the counter took my card, swiped it, and

> then laid it on the

> counter as he waited for the approval, which is

> pretty standard

> procedure. While he waited, he picked up his cell

> phone and started

> dialing. I noticed the phone because ! it is the

> same model I have,

> but nothing seemed out of the ordinary. Then I

> heard a click that

> sounded

> like my phone sounds when I take a picture. He then

> gave me back my

> card but kept the phone in his hand as if he was

> still pressing buttons.

>

> Meanwhile, I'm thinking: I wonder what he is taking

> a picture of,

> oblivious to what was really going on. It then

> dawned on me: the only

> thing there was my credit card, so now I'm paying

> close attention to

> what he is doing. He set his phone on the counter,

> leaving it open.

> About five seconds later, I heard the chime that

> tells you that the

> picture has been saved. Now I'm standing there

> struggling with the

> fact that this boy just took a picture of my credit

> card. Yes, he played

> it

> off well, because had we not had the same kind of

> phone, I probably

> would never have known what happened. Needless to

> say, I immediately

> canceled that card as I was walking out of the

> pizza parlor.

>

> All I am saying is, be aware of your surroundings

> at all times.

> Whenever you are using your credit cards, take

> caution and don't be

> careless.

> Notice who is standing near you and what they are

> doing when you use

> your card. Be aware of phones because many have a

> camera phone these

> days. When you are in a restaurant and the

> waiter/waitress brings your

> card and receipt for you to sign, make sure you

> scratch the number off.

> Some restaurants are using only the last four

> digits, but a lot of

> them are still putting the whole thing on there. I

> have already been a

> victim of credit card fraud and, believe me, it is

> not fun. The truth is

> that

> they can get you even when you are careful, but

> don't make it easy for

> them.

>

> FORWARD THIS TO AS MANY PEOPLE AS YOU CAN THINK OF.

> LET'S GET THE WORD

> OUT! JUST BE AWARE

>

[elkieDannsa' Air An Drochaid]

Thank you for this information. Some things to think about, for sure!

God bless,

elkie

[Leonard]

Yes, most criminals are not highly intelligent, but they do tend to be clever.

[irishcowboy]

i was getting about 10 credit card applications a week in the mail.......

i am getting maybe 2 a week now.....

i just open them up and stuff all the things that was sent to me, in their return envelope, including the envelope they sent it to me in, and then i send it back in their post paid envelope.....

what really gets me, is the apps i get now, are all from the same company, with the same mailing address and same return address.... usually on the same day ( 2 a week ) and they get sent back on the same day... i have even written on the envelope going back to them to remove me from their mailing list, not interested, and they still send these apps out....

funny thing is, they are paying the postage both directions each time, and not getting nothing from me...

i have even stuck in a bill for a return handling charge to them for handling their mail for them......

Credit cards are a total scam..... just a tool of the enemy to place people into bondage..... and it works...

mike