A credit-card company I have a balance with just called me and said there may be fraudulent activity on my card. A few expensive purchases have been made online, which were red-flagged since I had never activated the card.
I have no idea how this person found out my information, besides the credit card company, nobody else knows this information. I have only used this card for a balance transfer, and the card itself stays locked in my house.
I'm not trying to figure out how they got my information, but what steps should I take now to prevent any fraudulent activity on any of my accounts. All it looks like now is they had my name/number/3-digit code on the back.
Thanks!
2006-11-03 01:09:34 · 11 answers · asked by Anonymous in Business & Finance ➔ Credit
Cancel the card
2006-11-03 01:12:12 · answer #1 · answered by Intellithug 3 · 0⤊ 0⤋
Cancel the credit card and have the company issue you a brand new one with all new numbers.
Then send a written letter to all 3 reporting companies and advise them of the fraud and have them place fraud alerts on all of your accounts. Get a copy of your consolidated credit report and check over everything on it very carefully. Call every other credit card company you have and check balances. You can also place a "password" on every credit card so that the company will not talk to anyone or change anything on your credit cards without first being given the password.
2006-11-03 09:13:04 · answer #2 · answered by kja63 7 · 1⤊ 0⤋
Report this card lost or stolen and turn those charges in to the company's fraud claims dept. Then, check the purchases made on your other cards for the next few days very closely. If you see anything that you didn't charge, immediately close those accounts. Next, check with everyone in your household regarding those charges. Also, make sure your bank account has not been accessed in any way. Keep all records locked up in your home and be sure to shred anything that has your name or personal info on it before throwing it away.
2006-11-03 09:50:13 · answer #3 · answered by Phoenix, Wise Guru 7 · 0⤊ 0⤋
Report this to the fraud division of the credit card company. Hurry, You have a limited amount of time or you will be paying for this. Get the fraud alert out first then try to figure out who what and where. I'd be closing these accounts and opening new ones. The Fraud investigator should be able to help you with what you need to do. Good luck
2006-11-03 09:17:49 · answer #4 · answered by al 6 · 0⤊ 0⤋
You need to understand that ID Theft is like cockroaches. Once you see the first sign of a problem, you can count on it being a whole lot worse!
In your case, I can guarantee it. If this card information was as secure as you claim, and they got that info, you can bet they have a lot more info on you.
Therefore, you need to get very aggressive in protecting yourself. ID Theft is one of the fastest growing crimes in the country, and you never know you were robbed until it's too late.
So I strongly suggest you check out the link below and follow the instructions. You need to get a copy of your credit report and examine it very carefully. Place an ID-Theft flag on your credit reports so nobody can access your credit without you knowing about it. File a police report (very VERY important!) and get into a habit of checking your credit reports every year.
2006-11-03 11:39:43 · answer #5 · answered by Anonymous · 1⤊ 0⤋
Call your credit card company and verify the information. If its true have them reissue a new credit card company and send you all info on the activity and report it to the police
2006-11-03 09:12:30 · answer #6 · answered by vindezeal 3 · 0⤊ 0⤋
you have the card locked up? youve touched it today? hard to think how theyd get the code off it without access to the card. put a fraud alert on all the credit agencies...Equifax, Experian etc. your state attorney gen office can tell you how. ask the company if you should file charges with your local law enforcement.
2006-11-03 09:13:07 · answer #7 · answered by David B 6 · 0⤊ 0⤋
Cancel the card.
Inform a credit bureau such as Equifax. They can tell you specifically what you need to do. Your other cards and identity information could be at risk too. Do this IMMEDIATELY.
2006-11-03 09:22:35 · answer #8 · answered by Anonymous · 0⤊ 0⤋
Thats weird that there was activity even though the card was never activated...
I would see if there is anyway you can cancel the card or account.
2006-11-03 09:12:45 · answer #9 · answered by ♣fo' by fo'♠ 3 · 0⤊ 0⤋
Cancel it and get a new one
2006-11-03 09:11:54 · answer #10 · answered by Joe 6 · 0⤊ 0⤋