RV Trip Planning Discussions

Go Back   iRV2 Forums > iRV2.com COMMUNITY FORUMS > Just Conversation
Click Here to Login
Join iRV2 Today

Mission Statement: Supporting thoughtful exchange of knowledge, values and experience among RV enthusiasts.
Reply
  This discussion is proudly sponsored by:
Please support our sponsors and let them know you heard about their products on iRV2
 
Thread Tools Search this Thread Display Modes
 
Old 09-28-2019, 08:02 AM   #1
Senior Member
 
RonLC's Avatar


 
Join Date: Jul 2015
Location: Punta Gorda, FL
Posts: 568
How To Avoid Credit Card Fraud

We carry two credit cards. One of which gives us 5% cash back for fuel. Yesterday I checked the activity on the card and noticed a pending charge from Progressive Insurance for $3500. Thinking this to be odd, I checked online my Progressive account and it was paid in full until June of 2020. I called Progressive and they said that they did not place this charge and that I should call the bank that issues the credit card.

The bank said that the $3500 charge was indeed there and that the previous day they had declined a charge to my card of $2400 supposedly from Progressive.

They said not to worry and would investigate and let me know. In the meantime they were going to cancel the card and send me a new one. How long will that take? 7-10 days.

Here is the problem: We are on a four month trip and no time have we been anywhere for 7-10 days. Luckily, we are at the end of it and will be home next week. In the meantime we are using our back up card.

My question is: How do we avoid this happening again? Do we get a third card just for this contingency? The affected card is the only one that I know of that is usable almost anywhere and gives 5% cash back on fuel.

How did this happen? Many RV parks require a deposit over the phone when you make a reservation. They want the card number, the exp date and the code on the back. How does one reduce the exposure here?

Looking for ideas on this PITA deal.
__________________

__________________
Ron & Peggy Carter
2019 Renegade Verona LE 40 LTS (Freightliner M2-106 chassis)
2017 Buick Enclave/AF1
2004 Blue Bird M380 (sold)
RonLC is offline   Reply With Quote
Join the #1 RV Forum Today - It's Totally Free!

iRV2.com RV Community - Are you about to start a new improvement on your RV or need some help with some maintenance? Do you need advice on what products to buy? Or maybe you can give others some advice? No matter where you fit in you'll find that iRV2 is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with other RV owners, see fewer ads, upload photographs, create an RV blog, send private messages and so much, much more!

Old 09-28-2019, 08:18 AM   #2
Senior Member
 
Join Date: Jan 2018
Posts: 1,314
We carry cards from 5 institutions in all. And not all the accounts are in one name. Keeping separate accounts means if there’s ever a major issue with identity theft, it cannot affect too much of our financial situation.

We use a mail forwarding service and have replaced cards on the road, either from routine expiration or as has happened lately one bank notified me they had some sort of breach and sent me a replacement.

Also, a good bank will send you a replacement by expedited shipment to your current location when traveling.

Unfortunately compromised card numbers is a fact of life these days. There are alternatives like Apple, but I’m not willing to give up the 5% rewards vs the minimal inconvenience of occasionally replacing a card.
__________________

__________________
Been through all the continental states and provinces. Loving life on the road.
Finance is offline   Reply With Quote
Old 09-28-2019, 08:24 AM   #3
Senior Member
 
Bigd9's Avatar


 
Join Date: Jun 2012
Location: The Bluegrass State
Posts: 5,405
Credit card fraud is always a possibility. I had a card fraudulently charged $18,000 once when a "gang" of people hit multiple CVS stores buying cigarettes and gift cards from 15+ stores around the New Your city area. They made the purchases when they knew the computers were down for routine maintenance!

Your credit card can be obtained from so many places. Restaurants are one of the biggest sources. The waitserver will take your card and the bill and disappear for a few moments and then return. Gas pumps skimmers will gather the information. Etc Etc. This information is then sold and resold over and over on the internet until someone buys a bunch of numbers and starts charging things. You may never know where the number was stolen from.
__________________
Good Luck, Be Safe and Above All, Don't Forget To Have Fun
Pete
2006 Fleetwood Discovery 35H, 2014 Honda CR-V, M&G Engineering Braking System
Bigd9 is offline   Reply With Quote
Old 09-28-2019, 08:31 AM   #4
Senior Member
 
Join Date: Feb 2013
Location: Sedona, AZ
Posts: 1,984
Quote:
Originally Posted by RonLC View Post
The affected card is the only one that I know of that is usable almost anywhere and gives 5% cash back on fuel.
.

Any card should be usable almost anywhere if you tell the bank you are traveling. And I agree that most banks are willing to overnight the new card if you ask. Now 5% cash back is hard to find. My backup card pays 2%, so I lose the extra 3% for a day or two while waiting for a replacement card.
__________________
Shell Bleiweiss
2014 1/2 Thor Challenger 37KT
Sedona, AZ
sbleiweiss is offline   Reply With Quote
Old 09-28-2019, 08:53 AM   #5
Senior Member
 
Join Date: Nov 2015
Posts: 10,721
Our Credit Cards & Bank Accounts have 'Alerts' activated .....
Any charge made over $50, any charge made via phone, any charge made via Internet, etc. and we get a notification (email, text etc) within 10 minutes of charge being made.


Doesn't stop fraud....can't be done unless you go strictly CASH.
BUT it gives us almost instant notification so that we can Call Credit Card Company and STOP the charges.


CC Fraud is so easy these days especially when you do not have to sign/show IDs etc
When was the last time you have to PROVE you were the person using the card?
Internet....HA --------just put the info in the boxes and submit. Done!
__________________
Is it time for YOUR Medication or Mine?
Dodge 3500 w/Tractor Motor & NUWA 5vr
US NAVY---USS Decatur DDG-31
Old-Biscuit is online now   Reply With Quote
Old 09-28-2019, 08:53 AM   #6
tcg
Senior Member
 
tcg's Avatar
 
Join Date: Aug 2016
Posts: 1,114
My personal and business cards have been compromised several times in the last couple years the bank always caught it before me and they always denied the charges.

I only carry two cards but my wife and I each have one with different card numbers so if one card on the account is compromised the other card will still work.

In all cases my bank always overnighted the new card.

But.. A few years ago we were on vacation and the only card we had was canceled due to fraud. The bank would not overnight to the hotel.

Fortunately I was able to have my dad wire me some money.
tcg is offline   Reply With Quote
Old 09-28-2019, 09:09 AM   #7
Senior Member
 
Join Date: Aug 2016
Posts: 728
I don't worry about credit card fraud, I let the card issuer worry about that. Big reason for that was when I was in business and accepted Visa and Mastercard. I wasn't allowed to require ID as a condition of sale. I could ask for it, but if the card was signed on the back they could refuse to show ID and I would still have to accept the transaction. I figure if the card issuers are going to hamstring me like that as a merchant I could care less about their losses to fraud. That was true in 2013 I don't know if that has since changed or applies to other card issuers.

We pay for everything by credit card and in 30 years my wife and I have probably had maybe 6 or 7 fraudulent transactions between us none of which ever cost us more than a few days of inconvenience. We travel with at least 3 cards each, all of which are separate accounts
__________________
1995 Winnebago Warrior 23RC Class A
RickNC is offline   Reply With Quote
Old 09-28-2019, 09:25 AM   #8
Senior Member
 
Join Date: Aug 2019
Posts: 178
For the delivery problem, we can usually predict where we will be in a week or so and just look ahead and make reservations at a cg in that area, then have the card sent there after talking to the cg to be sure they accept mail. Or general delivery is another option.
Agesilaus is offline   Reply With Quote
Old 09-28-2019, 09:46 AM   #9
Senior Member
 
Join Date: Mar 2019
Posts: 409
There is no absolute cure for credit card fraud, the banks have seen to that. When the banks and the credit card companies went to the chip cards a few years ago they could have opted to go to a chip and PIN system, for whatever reason they decided to forgo the PIN option. In my opinion a really, really bad move. Nonetheless we, the consumer are left paying the bill.

As to your current situation of what to do about compromised cards, carry more than two. I have 5 or 6 credit cards all with a credit limit of over $10,000. If one of them is compromised I can simply switch to another one when need be. If you have even decent credit you can get as many credit cards as you want, just be careful with them. I also limit my use of credit cards to specific purchases, gas, Internet purchases, and large department stores. I generally don't use credit cards where I need to turn the card over to someone else, it's just simple risk management. I also generally carry a fair amount of cash, a couple of hundred dollars, it just makes life easier. I've only had a couple of instances of real fraud over the years and way too many instances of purchases that "don't fit my pattern", whatever that is.

On one of them I made the same purchase on or around the first of every month for either $500 or $250 and every time Citibank declined the purchase. It's the only thing I ever put on that card, but it "didn't fit my purchasing pattern". I no longer have an account with Citibank, because their "fraud control" didn't work.
arcaguy is offline   Reply With Quote
Old 09-28-2019, 09:53 AM   #10
Senior Member
 
dons2346's Avatar
 
Country Coach Owners Club
Join Date: Dec 2010
Posts: 5,711
The only positive way to prevent CC fraud is to pay cash
__________________
Don
2002 Country Coach Intrigue
dons2346 is offline   Reply With Quote
Old 09-28-2019, 09:55 AM   #11
Senior Member
 
Join Date: Jan 2018
Posts: 1,314
One other thing I do is keep recurring bills that autopay like utilities on a card that doesn’t get used for much else. No restaurants or such. That separation means when the cards that are exposed to other people get compromised, I don’t have to change my autopay methods.
__________________
Been through all the continental states and provinces. Loving life on the road.
Finance is offline   Reply With Quote
Old 09-28-2019, 09:57 AM   #12
Member
 
Join Date: May 2019
Posts: 95
The first problem is your with Progressive, I wouldn't touch them from 10 miles with my own spit! The second is, Cash is King baby! So many people rely on credit or debit and they run into these problems! Good Luck
TajMahal is offline   Reply With Quote
Old 09-28-2019, 10:02 AM   #13
Senior Member
 
RonLC's Avatar


 
Join Date: Jul 2015
Location: Punta Gorda, FL
Posts: 568
Quote:
Originally Posted by Finance View Post
One other thing I do is keep recurring bills that autopay like utilities on a card that doesnít get used for much else. No restaurants or such. That separation means when the cards that are exposed to other people get compromised, I donít have to change my autopay methods.
That makes sense to me. Thanks
__________________
Ron & Peggy Carter
2019 Renegade Verona LE 40 LTS (Freightliner M2-106 chassis)
2017 Buick Enclave/AF1
2004 Blue Bird M380 (sold)
RonLC is offline   Reply With Quote
Old 09-28-2019, 10:11 AM   #14
Senior Member
 
Join Date: Jan 2009
Posts: 2,047
Quote:
Originally Posted by Old-Biscuit View Post
Our Credit Cards & Bank Accounts have 'Alerts' activated .....
Any charge made over $50, any charge made via phone, any charge made via Internet, etc. and we get a notification (email, text etc) within 10 minutes of charge being made.


Doesn't stop fraud....can't be done unless you go strictly CASH.
BUT it gives us almost instant notification so that we can Call Credit Card Company and STOP the charges.


CC Fraud is so easy these days especially when you do not have to sign/show IDs etc
When was the last time you have to PROVE you were the person using the card?
Internet....HA --------just put the info in the boxes and submit. Done!
I have notifications set on our cards as well. What's nice is being able to set the trigger amounts so that it doesn't drive me crazy with notifications. Also helpful, at least for me, is being able set it to notify every time a certain type of transaction takes place, no matter the amount.

Yes, it's convenient to use a card at a restaurant but it's something we try not to do. Cash is the way to go when we know ahead of time we'll be dining at an establishment that requires us to pay via wait staff.
__________________

__________________
03 Itasca Sunova, Workhorse P32 with the 8.1 and 4L85-E
Mudfrog is online now   Reply With Quote
Reply



Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
T-Mobile - Free Hot Spot, Free 30GB for 30 Days - No Credit Card / Credit Check CoachStreamr Technology: Internet, TV, Satellite, Cell Phones, etc. 18 10-07-2019 03:54 PM
Holidays and Credit Card Fraud Bigd9 Just Conversation 21 12-11-2015 09:31 AM
Pentagon Federal Credit Union credit card MPH RV'ing On A Budget 3 09-29-2015 06:07 AM
PEN FED credit card - how to max the 5% credit vsheetz RV'ing On A Budget 12 01-21-2014 07:03 PM
Walmart credit card fraud flag duramax iRV2.com General Discussion 28 06-24-2009 11:55 AM

» Featured Campgrounds

Reviews provided by


Copyright 2002- Social Knowledge, LLC All Rights Reserved.

All times are GMT -6. The time now is 10:19 PM.


Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2019, vBulletin Solutions, Inc.
×