Credit Card Video On Youtube.

@Enzyte Bob

Here in the UK when a new/replacement card is issued an authentification procedure is required on receipt.

The PIN (Personal Identification Number) is sent separately. Curious as to how this fraud took place without that.

In the last few days a massive data breach on an egregious scale by Russian hackers has just been realised on various large corporations worldwide. British Airways ( who seem to lose data more than most) and the national broadcaster the BBC have both been victims. Personal information and bank account numbers have been filched.

The moral of the story? Check your bank account regularly and watch out for the beneficiary name of a Paul Cardwell.

Lotus Eater said . . . Here in the UK when a new/replacement card is issued an authentification procedure is required on receipt.
The PIN (Personal Identification Number) is sent separately. Curious as to how this fraud took place without that.

In the last few days a massive data breach on an egregious scale by Russian hackers has just been realised on various large corporations worldwide. British Airways ( who seem to lose data more than most) and the national broadcaster the BBC have both been victims. Personal information and bank account numbers have been filched.

The moral of the story? Check your bank account regularly and watch out for the beneficiary name of a Paul Cardwell.

*************************************

Hmm Card Well?

This charge card was an updated card as his old card was nearing expiration. After reading your response and looking at my own upgrading of a Charge cards, I'm under the belief the only thing that changes is the expiration date and 3 or 4 code on the back of the card. Some of my charge cards were issued 20 years ago  and I don't even remember or know the pin numbers, as I would never use a credit card for a cash advance.

Also an interesting point you bring up "activating the card" either by a phone call or online. I cannot vouch for the YouTuber, I'm only relaying the information posted by him. Cards are usually protected by a two step process.

@Enzyte Bob

Haha, that guy was lucky. I had the same years ago (ever since my bank uses DHL) and noticed expenses in excess of USD10k within two days.

In Phl shops accept cards easily. No signature check and no PIN code.

My bank refunded me 100%

@Enzyte Bob
Here in the UK when a new/replacement card is issued an authentification procedure is required on receipt.
The PIN (Personal Identification Number) is sent separately. Curious as to how this fraud took place without that.

In the last few days a massive data breach on an egregious scale by Russian hackers has just been realised on various large corporations worldwide. British Airways ( who seem to lose data more than most) and the national broadcaster the BBC have both been victims. Personal information and bank account numbers have been filched.

The moral of the story? Check your bank account regularly and watch out for the beneficiary name of a Paul Cardwell.
-@Lotus Eater

The new authentification procedure never happened when I received my new Halifax Clarity Credit Card. Same pin number, just a different 3 digit security number on the back. The card was good to go when I got it.

I was watching a video about a fellow Expat in the Philippines who was waiting for a new card to replace an expiring credit card from Capital One.
When the card did not arrive timely he contacted Capital One. They sent him a new card and same thing happened, but checking his cards account there was an $86 charge from Watson's.

His advice when receiving any replacement or new card Have the card blocked until you receive it. Once you receive the card unblock it.

Also anyone using a smartphone with their banking info, use facial recognition to turn the phone on. If the phone is lost or stolen, whomever has the phone cannot access your personal data.

I use my re-mailers address as my own and then have them FedEx cards and important papers to me.
-@Enzyte Bob

That seems a bit unusual. When applying for a new CC it must first be activated which requires your providing a lot of personal information about yourself. Whomever made the charge had to know name, birthdate, pro ably last four od SS number.

After my wife's credit card expired and the balance was zero I stopped checking online for charges to the card after a couple months. The new card was sent to her sister's house in Georgia which is our address on file with Wells Fargo. The sister actually mentioned a notice arriving from WF but I must have ignored it. My wife belonged to an online karaoke thing called Smule. I found out in a round about way that a Smule annual fee charge was on her new card, which we did not activate. By this time there were late charges so the $40 something renewal fee was now $80. I called WF and complained that a charge was allowed on a card that wasn't activated and they gave some kind of explanation and dropped the late fees. I had already paid the $80 so now there is a credit on a card that isn't activated and will not be because I told them to close the account, we don't need it. They will most likely send a check to our US address some day to clear the balance. Apparently a bank can allow charges on a card that isn't activated but I have no idea how crooks do it.

I said . . . I was watching a video about a fellow Expat in the Philippines who was waiting for a new card to replace an expiring credit card from Capital One.
When the card did not arrive timely he contacted Capital One. They sent him a new card and same thing happened, but checking his cards account there was an $86 charge from Watson's.

His advice when receiving any replacement or new card Have the card blocked until you receive it. Once you receive the card unblock it.

Also anyone using a smartphone with their banking info, use facial recognition to turn the phone on. If the phone is lost or stolen, whomever has the phone cannot access your personal data.

I use my re-mailers address as my own and then have them FedEx cards and important papers to me.
-@Enzyte Bob

***************************************

danfinn replied. . . That seems a bit unusual. When applying for a new CC it must first be activated which requires your providing a lot of personal information about yourself. Whomever made the charge had to know name, birthdate, pro ably last four od SS number.

*************************************

The person on the video was not applying for a new CC, he was notified that the expiration date on his present cc will expiring and watch the mail for his replacement card.