Officially the victim of credit card fraud

[Gunslinger08]

Just got an email from Amex and called them (not at the number in the email, but the number on my card). Someone attempted to charge my card at T-Mobile for almost $1500. That scares me, because I have no idea where they would have gotten my card number from.

 

[Tylanner]

 

[atybimf]

That sucks.

 

[George P Burdell]

Damn, that sucks

 

[Vic]

You're not liable for fraudulent charges. Ask to get your # changed.

 

[Ricemarine]

That sucks that someone got your CC.

But what doesn't suck is that he had to buy a cell phone

 

[Gunslinger08]

Originally posted by: Vic
You're not liable for fraudulent charges. Ask to get your # changed.

Yeah, they were smart and denied the charges. I just went ahead and closed my account totally. I don't use it.. ever.

 

[everman]

Originally posted by: joshsquall

Originally posted by: Vic
You're not liable for fraudulent charges. Ask to get your # changed.

Yeah, they were smart and denied the charges. I just went ahead and closed my account totally. I don't use it.. ever.

It's better to leave it open and not use it if you've had the account for a while. Just change the number.

 

[vital]

Originally posted by: everman

Originally posted by: joshsquall

Originally posted by: Vic
You're not liable for fraudulent charges. Ask to get your # changed.

Yeah, they were smart and denied the charges. I just went ahead and closed my account totally. I don't use it.. ever.

It's better to leave it open and not use it if you've had the account for a while. Just change the number.

why is it better to leave it open and not cancel it?

 

[everman]

Originally posted by: vital

Originally posted by: everman

Originally posted by: joshsquall

Originally posted by: Vic
You're not liable for fraudulent charges. Ask to get your # changed.

Yeah, they were smart and denied the charges. I just went ahead and closed my account totally. I don't use it.. ever.

It's better to leave it open and not use it if you've had the account for a while. Just change the number.

why is it better to leave it open and not cancel it?

The longer your credit history the better. So you wouldn't want to close a credit card account you've had for a long time even if you don't use it, typically it won't cost you anything (no annual fees).

 

[TheTony]

Originally posted by: vital

Originally posted by: everman

Originally posted by: joshsquall

Originally posted by: Vic
You're not liable for fraudulent charges. Ask to get your # changed.

Yeah, they were smart and denied the charges. I just went ahead and closed my account totally. I don't use it.. ever.

It's better to leave it open and not use it if you've had the account for a while. Just change the number.

why is it better to leave it open and not cancel it?

If you've had the card for awhile, closing it shortens your average age of your credit history.

 

[vegetation]

Originally posted by: everman

Originally posted by: joshsquall

Originally posted by: Vic
You're not liable for fraudulent charges. Ask to get your # changed.

Yeah, they were smart and denied the charges. I just went ahead and closed my account totally. I don't use it.. ever.

It's better to leave it open and not use it if you've had the account for a while. Just change the number.

Just make sure you always keep an eye on an inactive account. Even though you're not liable for fraud, if there's some fraudulent purchases (say low dollar amounts) racked on and you don't pay your bill before you notice what happened after the due date, you're screwed for a late payment reprimand on your credit report. This is especially problematic with a lot of CC's only sending ebills these days, so if you're lazy I highly recommend you close an inactive account.