Lost Credit Card
- Thread starter Surfbum84
- Start date
Surfbum84 said:
How long between the "loss" of the card and notification of the company? If more than 24-48 hours it might add to your potential liability.
Where were the purchases made?
If at a "bricks and mortar" retail location, then at the very least the retailer could be on the hook for not sufficiently identifying the cardholder.
I had a hell of a time some years ago.stang said:
I was mailed a new credit card when an old one expired, and was waiting for it to come in the mail. I got a call from the credit card company and asked if I had made $5000+ worth of purchases in Italy, just a couple of hours before. I tried to explain that I had not activated the card as I had not received it yet, and further, how could it be me if they were calling me in Toronto and asking about purchases made it Italy. Apparantly my answer was not good enough for the lady on the other side of the phone.
It took months to work out, including affidavits that I had not received the card, and had not left the country.
Bastards.
LKD said:
They do?? I've been going to the states for over 35 yrs, not once have they asked me for ID, and I use my card a lot, I mean lots.
Is it perhaps if you spend over a certain limit?
Some credit cards give you the option of putting your pic on the card.
Mia.Colpa said:
ok maybe not everywhere then... When I was working in Los Angeles, I got I.D'd everywhere I used my credit card... Same thing happened to all my co-coworkers. it made me wonder why they didn't do this in Canada.
But yeah... what's the big deal in I.Ding someone using a credit card.. it would prevent so much thefts and discourage thieves from even stealing cards
a 1 player said:I had a hell of a time some years ago.
I was mailed a new credit card when an old one expired, and was waiting for it to come in the mail. I got a call from the credit card company and asked if I had made $5000+ worth of purchases in Italy, just a couple of hours before. I tried to explain that I had not activated the card as I had not received it yet, and further, how could it be me if they were calling me in Toronto and asking about purchases made it Italy. Apparantly my answer was not good enough for the lady on the other side of the phone.
It took months to work out, including affidavits that I had not received the card, and had not left the country.
Bastards.
I'm pretty sure this was not VISA, these guys are amazing and take good care of their customers, I have experienced it myself.
Surfbum84 said:
If it's only that charge then I would say you have almost nothing to worry about. That's typically within the range of "no questions asked" and again, the liability will be on the night club to prove that they acted reasonably in verifying the cardholder's identity, at the very least, checking the signature.
Good luck.
LKD said:
Not sure where you're from LKD, but this RARELY, if ever, happens in the US. I use my wife's card and vice-versa all the time.
There have been a number of "investigative" reports by local news outlets where they go to numerous stores and document what is essentially "illegal" use of credit cards. They usually have the purchaser be the opposite sex of the name on the card, so there's no excuse for the salesclerk not questioning the holder. They rarely get stopped.
The very few times I've ever gotten ID'ed were usually the first time I was using a "new" card. With the new "activation" process, now even this has stopped.
viking1965 said:
Why would the dance club be responsible, they were just honoring the card just like everybody else does, without checking for I.D.
Concerning the guy who card was used in Italy it all falls on the CC's shoulders, how in tarnation do they activate a CC without asking the owner the 3 security questions? Also in order to activate it has to be done from a landline phone that is registered to the owner's address.
Music_Box said:
That's the problem, everyone thinks the card has to be "honored".
when in reality it needs to be carefully scrutinized.Shitloads of money (sorry, too lazy to get stats right now) are lost every year to credit card fraud, and we all pay for it in higher card fees, interest rates, and retail prices.
For all the paranoia about about using credit cards on-line, significantly more fraud happens "face-to-face".
The retailer is responsible for "reasonably" ensuring the identity of the cardholder.
Is it too much to expect the salesclerk to ask themselves these two questions?
Is the cardholder the same sex as the name on the card represents (this is obviously not always feasible)?
Is the signature reasonably accurate?
If these basic requirements are not met, the retailer has the right and responsibility to request further identification.
You recall having used your card at the LCBO. Do you specifically recall putting your card back in your wallet there?
You may wish to talk to the police as well, suggesting that they may wish to review security footage at the time you were at the LCBO (if you have your receipt, it'll be a good hint as to the time you were there), to confirm that it wasn't a rogue cashier.
Most card issuers don't require a police report, but the police can't catch anyone if they aren't even made aware.
You may wish to talk to the police as well, suggesting that they may wish to review security footage at the time you were at the LCBO (if you have your receipt, it'll be a good hint as to the time you were there), to confirm that it wasn't a rogue cashier.
Most card issuers don't require a police report, but the police can't catch anyone if they aren't even made aware.
