Credit Card Fraud

[Cohiba Fan]

It's nothing you've purchased from any of the cigar sponsors? nothing from Cgars? nothing from Humidoro? nothing from ebay that you may just have forgotten about...?

(Sorry you've probably been thru all of these in you head, just trying to help...!?!?!).

Hope you get it sorted, HabanoSy

Check. Check. Check.


I will keep thinking!

[HabanoSy]

I have been racking my brain for the last 3 days, I've also checked my emails, checked everything - I really don't think this ?19.90 is anything to do with me.

Check, double check and then triple check...

Then, and only then, when your 100% certain it has nothing to do with you can you report it as fraudulant activity on your card...!!!

It's nothing you've purchased from any of the cigar sponsors? nothing from Cgars? nothing from Humidoro? nothing from ebay that you may just have forgotten about...?

(Sorry you've probably been thru all of these in you head, just trying to help...!?!?!).

Hope you get it sorted, HabanoSy

[Cohiba Fan]

If U are not certain,then why punish the retailer. Take some time and figure out if indeed U did or did not make the purchase. Then if U didn't take the steps to revert the transaction. JMHO

I have been racking my brain for the last 3 days, I've also checked my emails, checked everything - I really don't think this ?19.90 is anything to do with me.

[G-man]

If U are not certain,then why punish the retailer. Take some time and figure out if indeed U did or did not make the purchase. Then if U didn't take the steps to revert the transaction. JMHO

[Cohiba Fan]

Since I made the tranasacttion on the Swiss site, I have had an international transaction for ?19.90 on my visa debit card. It says 'Select E Products' and all First Direct are able to tell me is that it was international and came under the catogory of 'clothing and apparel'

I have racked my brain trying to think of what this transaction could be but I honestly can't remember ever making a purchase online for this amount.

Does this sound like it could be fraudulant use of my card, based on other peoples experiences of this happening after visiting this site?

If I want to take it further, they can revert the transaction and the retailer has 60 days to challenge it.... I am hesitating because I know there is a chance it is legit and I have just forgotten about it!

[monkey66]

Surely they HAVE to reinburse you for any fraudulant activity on account regardless of whether you have paid for special fraud protection?

well..... They will probably cover the original fraudulent action but you may find if you read the small print they have limited liability for further fraud...but it may be covered....but maybe not.....but maybe. Find out first and all will be well (most of the big brands cover you).

When I suggested a card that covers on-line fraud I wasn't suggesting that you should pay extra for this feature, just check they will cover to the limit of the card.

If you set the limit on the card to ?500 then you can never have a higher exposure than ?500. Depends how much you are spending a month on-line.

[Cohiba Fan]

Not noticed it doing that before, but unless their ISP is watching their HTTP transactions, noone else should be able to see the data over HTTP.

Next time you purchase using the card you'll be asked again to fill in the details if you want to.

Maybe it's a firefox ferature (the alert telling me my data would be sent over an unencrypted network)

Incidentally, I went onto my First Direct banking site and registered the Verified by Visa functionality on this card.

I have been contacted numerous times by my bank and credit card companies offering me policies to cover myself for idneity theft and fraud. I've always declined. Surely they HAVE to reinburse you for any fraudulant activity on account regardless of whether you have paid for special fraud protection?

[HabanoSy]

Monkey66 is certainly right, we'll all get hit at some time or another - I've had it done in the past and Im sure it'll happen again...

But like ACMCC says no matter how much hassle these extra securecode pages are they have to be worth it in the long run (anything to try and stop these bastards using our money to purchase things they want...!!!).

Cheers, HabanoSy

[ACMCC]

MasterCard offers an extra level of security called securecode, Its a hassle, but I signed up and always use it, good points the others m66 especially using only one card online, if nothing else in makes it easy to check them all at the end of the month.. could look a bit freighting all your cigar purchases on one statement!.... harder to hide it from the general also..

[monkey66]

Assumptions and Advice for all on-line purchasing:

Assumptions:
1. Vulnerabilities, budgets, inherent technology issues and human factors mean fraud will keep happening in different forms
2. Most of us will be a victim at some point
3. On-line ordering is too convenient to give up

Advice:
1. Use one credit card for all your on-line purchasing
2. Do not have this on your main bank account
3. Set a low limit to minimise your exposure
4. Go with a card provider that provides comprehensive on-line fraud protection

....and finally enjoy the smokes

[Deano]

Not noticed it doing that before, but unless their ISP is watching their HTTP transactions, noone else should be able to see the data over HTTP.

Next time you purchase using the card you'll be asked again to fill in the details if you want to.

[Cohiba Fan]

I'm a tad worried having just placed an order at this site. As I went through the checkout procedure (I used a VISA debit card issued by First Direct), a message popped up telling me that although this site was encrypted, my card details would be sent over the internet un-encryped and did I want to continue... I pressed yes.

Should I be worried?

There was a second level of protection it offered me (can't remember the exact name) where they ask you for passwords when using your card online for exatra security - but I stupidly declined to fill in some details. Is there a way I can now fill in this card authorization thingy online to help protect me from fraudsters?

[larrysputnik]

[Drewmidorn]

A friend of mine has also had some fraudulent credit card action originating in switzerland... she has never bought anything from Switzerland and isn't a cigar smoker.... I think this may all be coincidence, you could always buy from a UK store!

[Deano]

Yeh noone's discouraging you mate [Ryan]. Much prefer to see this type of information whenever possible!