SCENE 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 – a
whooping 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
SCENE 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 are
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 YOUROWN SAKE, DEVELOP
THE HABIT OF CHECKING YOUR CREDIT CARD EACH TIME IT IS
RETURNED TO YOU AFTER A TRANSACTION!
SCENE 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, 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 phoneSounds 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
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.