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Old 09-16-07, 02:32 AM   #1
Nitnaw
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ever lose your credit card?

anyone here ever lose their credit card? if so, did anyone use it?

I recently lost my credit card and the person who found it spent like $8000 usd in some guitar store, which makes me wonder why vendors don't ask to see an I.D. when taking a cc transaction. Now I'm not blaming anyone, twas my own stupidity for losing it.

I've also had this happen in the past where I applied for a credit card but it never came in the mail, I later received a statement for $11k. either the person stole it from my mailbox or the had some kind of connection in the post office.
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Old 09-16-07, 07:12 AM   #2
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Quote:
Originally Posted by Nitnaw View Post
anyone here ever lose their credit card? if so, did anyone use it?
I think it's happened twice, but each time it was the entire wallet that was lost (once at the bottom of a lake). I simply called my credit card companies immediately and canceled them. The pain was waiting for the new ones to arrive.

So no, they weren't used...at least by someone other than me.
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Old 09-16-07, 07:16 AM   #3
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Yep -- I've been mugged. The funny thing (though it wasn't so funny at the time) was the cops thought I set things up to defaud the cc companies and weren't convinced otherwise until a long and unpleasant interrogation. If you report everything, it's a bit of a PITA, but you'll be off the hook for all charges.

"Security" on cc's is simply idiotic, and while I would welcome asking for ID's, all someone would have to do is put your card info on another card since this can be done very cheaply and easily with off the shelf hardware. Besides, it's not like getting a fake ID is that hard.

In many countries, the cards have chips in them. Some American cards have them, though few merchants actually have the readers. The technology has been around for decades, but the companies that lend money seem to want to keep everything as wide open as possible.

When you get down to it, the main reason you have to worry about identity theft is because all these companies lend money without verifying who they're giving it to, so even if you don't want them to extend you credit, they'll do it anyway for anyone they think might be you. Then you get to absorb the cost and hassle of proving that you aren't the person they didn't bother to verify properly.
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Old 09-16-07, 07:17 AM   #4
eubi
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No, but lost my cell phone...

The guy that took it downloaded about $200 worth of games...I was pretty mad, but after doing a bit of reading, I found that I got off VERY easy.

Now why, Verizon, do I need to input my password to get my voicemail, but anyone can download games at will?

Verizon couldn't answer this simple question, so I will.

Profit.

Sorry you lost your card. At least you are not liable for those charges.
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Old 09-17-07, 08:03 AM   #5
Rowdy
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I lost my wallet once in a Wal-Mart parking lot. When I realized that I didn't have it 10 minutes later I went back and found it. My credit card was gone. Someone had taken the credit card and purchased a $3,000 tv in the store. When I got home Citibank had left a message suspecting fraud on my credit card. I told them I didn't make the purchase and they said they would tell Wal-Mart to go scratch and that they weren't paying for it either since Wal-Mart didn't ask to see ID of the person making the purchase.
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Old 09-17-07, 12:22 PM   #6
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I lost a credit card in, of all places, a newspaper machine with a card-reader where you slide the card in and out... apparently, one day, there was no mechanism inside, so the card just wound up in the coin area of the paper machine. After calling Visa and my bank, and making sure it was marked as stolen in both places, I was OK... no new charges on that card, but it took weeks to get a new one. Yecch.
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