I got my cc statement on Friday and noticed a transaction for £200 cash, presumabley from an ATM. I assume that my card was cloned but what puzzles me is why there was only the one transaction. Isn't it the norm for the fraudsters to go to town if they have succeeded in cloning a card? I am also slightly puzzled as to how anybody would have got the PIN as I never use a cc in an ATM so could have only been cloned by a retailer.
Kevin
Kevin
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possibilities...could someone have borrowed your card and replaced it without you knowing? have you got any of those credit card cheques knocking around someone might have used? re the 200 only once.....has your card been stopped without you knowing?
have you called the cc company?
If the card was cloned they would still need your pin.
Maybe someone you know borrowed;-) the card while you were not looking.
Most importantly contact the bank, they may have video of the person using the card.
Yes, cc company have been contacted and the card cancelled. It is not possible for the card to be borrowed as it is always with me except when a retailer has it and the pin is only committed to memory, not written down anywhere. The withdrawal was made a few miles from where I work though.
Kevin
Yes, cc company have been contacted and the card cancelled. It is not possible for the card to be borrowed as it is always with me except when a retailer has it and the pin is only committed to memory, not written down anywhere. The withdrawal was made a few miles from where I work though.
Kevin
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Could your card have been 'borrowed' from a jacket whilst you were at work?
No, the wallet is always in my trouser pocket.
Kevin
well its bizzarre that the card was used in an ATM then. Are you sure it was an ATM and not a cashback at a supermarket? IIRC you say you *never* used the card at an ATM so you couldnt have fallen for a skimmer device soem time previuosly??
Maybe its an inside job, or maybe the ATM or software in the bank somewhere is faulty and reported a withdrawal erroneously, or reported a real withdrawal but against your account by mistake? Probably the latter is more likely than someone guessing your PIN.
I once accidentally put the wrong PIN in *once* in an ATM and the machine immediately stole my card, no second chances, so their software is by no means bug free.
What do the card issuer say and have they reimbursed you?
The ATM may well have recorded a still or moving image of the person making the transaction as I seem to remember reading recently that
90-something percent of big-name ATMs now have a camera installed. How many of these are actually working properly is of course another story...
I supoose that I am assuming ATM rather than over the counter but it was at a branch of Abbey National. I will know more once the cc company write to me.
Kevin
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