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goodnatured
Joined: 03 Nov 2007
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Posts: 4007
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Thu Sep 11, 2008 3:11 am
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I would do exactly as mirage12 stated, report it immediately.
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Goodnatured,
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anthony
Joined: 31 Jul 2006
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Posts: 550
13573 Magic Points
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Thu Sep 11, 2008 5:36 am
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Hi Businesscredit
Since you have reported the loss of the card to the credit card company the maximum amount for which you are liable is only 50$ as mirage said. However, I think that you should also activate the fraud alert services with the credit bureaus. For this, you need to call any of the three credit bureaus to activate the service and the other two will be informed automatically. The service is active for 90 days from the date the service is activated in your credit report.
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Anthony Marx
A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible. |
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Justin
Joined: 17 Jul 2006
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Posts: 1298
28935 Magic Points
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Thu Sep 11, 2008 6:03 am
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When you ask the bureaus to activate the fraud alert service, an alert is placed on your credit file with all the three credit reporting agencies. Once it is activated, if anybody tries to open a new credit line with your name, the application must be verified by you before it is processed. The fraud alert service is valid initially for a period of 90 days and you are entitled to a free credit report from all the three credit bureaus once you activate the service with them. However, the fraud alert service can be extended only if you are a victim of identity theft. The extended fraud alert service is valid for a period of seven years.
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fireyone
Joined: 26 Feb 2008
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Posts: 4500
8812 Magic Points
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Thu Sep 11, 2008 5:02 pm
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| So for 90 days can you use your card that you put the fraud alert on or do you have to leave it inactive? How exactly does fraud alert work? |
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goodnatured
Joined: 03 Nov 2007
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Posts: 4007
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Sat Sep 13, 2008 12:35 am
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I would think that they would call you for each and every transaction with in the 90 day period? I have had mine call if they thought it was a bogus request.
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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
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Posts: 4500
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Sat Sep 13, 2008 1:37 pm
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| That would be reassuring. It is noce to see these places going the extra mile. |
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erb1953
Joined: 31 Dec 2007
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Posts: 621
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Sat Sep 13, 2008 11:45 pm
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| I think they should alert you when they feel you did not make the charge. |
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goodnatured
Joined: 03 Nov 2007
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Posts: 4007
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Sun Sep 14, 2008 6:03 pm
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They should know what your habits are and should alert you if they feel that something is suspicious.
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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
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Posts: 4500
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Mon Sep 15, 2008 12:13 am
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See that is what I am thinking. If they in fact see that every month (using myself as an example) I only have a house payment and car ins directly debited from my account and then all the sudden this large amount comes in to be conducted shouldn't this throw a red flag.
OOps thought this was the post on taking money out of a bank account.
Anyway usually they will not hold you liable if you call in resonable time.
Not only that I had to sign a paper for each of those to be taken out. So how did they do this without papers and why did the banl allow it? |
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goodnatured
Joined: 03 Nov 2007
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Posts: 4007
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Wed Sep 24, 2008 1:37 am
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wow, what is the chinese, japanese? Not real sure, does anyone know???
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Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online |
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fireyone
Joined: 26 Feb 2008
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Posts: 4500
8812 Magic Points
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Wed Sep 24, 2008 11:18 am
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| I am sure Gn it is really nothing more than annoying gibberish. This site was designed for credit minded people whom take it very seriously and I chose to ignore this type of thing. It has crowded itself into where it doesn't belong and therefore is not worth my time. |
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