Fake Credit Card Numbers
Isn’t That Illegal? Yes, using credit cards fraudulently is illegal. This article is absolutely not suggesting that you make up and use a credit card number. You should also never use credit cards belonging to other people.
Below is a summary of new services the credit card companies have created to make online credit card use more secure.
How Does It Work?
It is more appropriate to use the terms “temporary credit card numbers” or “single-use credit card numbers” rather than “fake credit card numbers.”
Some credit card issuers allow customers to generate and use a credit card number that is different from the number on their plastic credit card.
Current Online Security Measures
Security-conscious online buyers should only submit their credit card numbers to web sites that are secured by Secure Socket Layer (SSL) encryption.
You can tell if a web page is secure by looking for the following signs:
1. The page address in the browser address bar begins with https. The extra “s” means secure. Normal web page addresses begin with http.
2. The browser will usually display a closed lock or a complete key symbol when you are at a secure page.
3. Clicking or double-clicking the closed lock symbol (or the security symbol your browser uses) will usually show the security information for that website.
4. Secure (https) web pages will encrypt (scramble) your credit card information before sending it across the public internet. Chances are that a human being will never even view the information.
That Sounds Secure Enough. Why Do We Need Single-Use Credit Card Numbers?
It is a bonus to the consumer any time a vendor can provide an extra layer of security. Online credit card consumers can generate a separate credit card number for each online purchase, if they wish.
This easy-to-use extra security measure makes consumers more confident about buying with credit cards over the internet.
Anyone who did view your information in transit would see only your encrypted information. Encrypted information looks like gibberish to everyone except the credit card company’s computer.
Additionally, it is no longer necessary to submit online the credit card number imprinted on your physical credit card.
Will They Run Out Of Credit Card Numbers?
No! Assume that Earth’s population is about 6 billion people. Most credit card numbers have 16 digits in this familiar pattern: nnnn-nnnn-nnnn-nnnn. Assume that each digit in a credit card number can assume any value between 0 and 9.
That works out to be almost 1.7 million credit card numbers available to every man, woman, and child on Earth!
Even if the first 4 digits are reserved for some reason, there are still about 170 credit card numbers available for every person on the planet. In short, the credit card companies will not run out of single-use credit card numbers.
How Are They Different From My Real Credit Card Number?
They are as valid as your plastic credit card to online merchants. Each single-use credit card number is linked to your primary credit card account.
Purchases made with single-use numbers appear on your monthly statement. Refunds made to single-use numbers will appear as credits on your monthly statement.
OK, What’s The Bad News?
There are certain circumstances under which you should not use a single-use credit card number to make an online purchase.
This author learned from experience not to use a single-use number at home to purchase movie tickets from a popular online ticket vendor.
The problem occurred because the machine at the movie theater that dispenses the online movie tickets requires the insertion of your real plastic credit card.
If you did not use your real credit card number to buy the tickets, the machine will not release your tickets.
Any online purchase that requires you to present your physical credit card at the venue should only be made with the number on your physical credit card. Web sites that sell movie and other tickets will warn you of this.
Furthermore, your online ticket purchase will come with a confirmation number. Write or print that number and take it with you in case of problems.
Single-use credit card numbers are easy to generate, make online buying safer and more secure, and give consumers extra confidence when making online purchases.
Call your credit card company or visit their website to learn if it offers this extra peace of mind on your credit card account.
Use the links following this article to learn more about cash rebate credit cards and gas credit cards.
Crime: Identity Theft Using Credit Card
It’s a typical weekend. You drove to your friend’s house, asked your friend to hang out at the mall and buy something.
You and your friends then went to the bar to have a couple of drinks and talk about what
happened during the past week and you paid with your credit card. After a great night you both went home and slept.
The next morning, you checked for your mail and found your credit card billing statement.As you looked at it, you were shocked to see
that you are being charged on your credit card things that you never even bought. You called the bank about this and wondered how these happened.
If you have experienced this you have been a victim of a crime. This
crime is called identity theft or identity fraud.
Identity theft is a
crime where someone obtained and used your personal data, such as your name, credit card number, address, social security number, without you knowing about it. Some people who obtained your personal information used it to commit crime, usually using it for financial fraud or deception.
Criminals commit identity theft by buying something using your
credit card information, obtaining money from your account, or getting a new credit card in your name.
The criminal who commits identity theft usually make use of your personal information to buy goods or services in your name without you knowing it and end up you paying for the goods and services the criminal purchased.
You might wonder why these criminals get away with it. This is because,
in today’s society, many transactions usually occur without any actual contact with the buyer and the seller. Transactions like these are
often used in telephones and the internet where no one can identify the criminal. They can easily buy goods and services by just using your
credit card number online and giving a specified address where the goods should be delivered.
Unfortunately ,if you are a victim of this crime you would only find this out upon receiving your credit card billing statement.
Identity thieves usually buy as much goods as possible in usually one to two days. They usually end up saturating your credit limit and even sometimes they would exceed.
In some cases they can transfer money from your bank account to another, and sometimes, these thieves may actually pretend to be you.
They will use your personal information to get money or apply for a large loan and worst of all, you will not know that someone is using your personal information until you get billing statements or visited by collectors.
Identity theft can cause you a bad credit history, making it difficult for you to obtain new jobs or renting apartments.
This is because employers and landlords often take a look at credit records of new applicants.
If you think that you’re a victim of identity theft it is wise that you
should follow these steps to stop it or in some cases catch the thief:
• File a police report. Be sure to reproduce the police report. You can show these copies of the police report to the parties involved and any other creditors such as the bank and other entities which may require evidence of the crime.
• File a complaint in your postal service. This can help you locate where the goods were delivered and prevent the crime from happening again.
• File a complaint to credit bureaus. Filing a complaint to at least one of the major credit bureaus can result in getting free copies of your credit report. This will also require creditors to call or contact to confirm if you really are opening a new account or applying for a new credit card.
• Send a report of the crime to check verification companies. If you know that someone has been using stolen checks from your account, inform check verification companies about this so that they will not honor the fake or stolen checks issued by the criminal and is also a good way to catch the thief.
Identity theft is a very serious crime.
If you ever suspect that you are a victim of identity theft, it is wise that you should act immediately by reporting the crime to all authorities concerned.
Identity theft can be very time consuming, expensive, and difficult to repair the damage done to your credit history.
It can also get you in trouble with the law. It is very important that you be able to change your identity numbers that have been stolen from you as soon as you have discovered the crime.
Credit Card Fraud
How do people obtain your credit card information to make purchases that you might have to pay for? Some of the common ways include:
Paying for dinner at a restaurant. Your waitress or waiter takes your credit card with the check for your dinner, brings it to the register and processes the transaction and returns your card with a receipt to be signed.
What you didn’t notice when the card was given back to you was it wasn’t even your credit card! Some waiters and waitresses might give you a fake credit card in return and keep your credit card to go shopping with, later.
Or perhaps the credit card was returned to you, but only after the waiter or waitress copied down the details and placed the information in their back pocket for later. With that information, he or she can make purchases online or by phone, and not need to sign any receipts.
Some thieves hide inside contests, because everyone wants to win things for free! You’ll receive a mailing that says you’ve won a free vacation or item that requires you join a travel club or pay for shipping on the item you’ve won.
When you provide your credit card information to join the club or pay for the shipping costs, you may not ever receive the free trip or free item, and you could begin seeing charges you didn’t make appear on your credit card statement.
If a thief finds copies of your receipts or any paperwork containing your credit card details in the trash, it can be used to make purchases under your name and account.
Fraud costs credit cardholders and lenders millions of dollars annually. Not all fraud can be preventing, but there are a variety of precautionary measures you can take to help prevent yourself from becoming a victim of credit card fraud.
At the restaurant, keep an eye on the waiter or waitress as they take your card to the register to pay- or better yet, bring the card up yourself and stand there while it is processed.
This will make sure that there is no time for anyone to write down your information. On the receipt, draw a line through each of the lines above your signature that contain money amounts.
If you leave a cash tip on the table rather than deduct it from your credit card, draw a line through the tip line, or simply write in that space “on table”, so the waiter or waitress cannot later fill out the tip line to get themselves some money.
Whenever you receive a new credit card, sign the back immediately. Carry credit cards someplace other than your wallet.
Save receipts from credit card purchases so that at the end of each month, you can compare actual purchases against what shows up on your statement to verify that everything matches and is correct. It’s just like balancing a checking account each month.
If shopping online, use virtual card numbers and make sure the website is secure and encrypts payment information before submitting to eliminate identity theft hackers from obtaining your information during transmission.
Avoid providing credit card details over the phone whenever possible.
Check your credit card billing statements every month, even if you haven’t made any purchases just to make sure that there are no purchases on the statement that you didn’t make. This helps you find fraud before it gets out of hand.
If you believe you are a victim of credit fraud or identity theft, get on the phone with your credit lenders immediately.
Once it is reported, there are laws that protect you against charges made under your name and you will only be liable for up to $50, which is the maximum liability according to federal fraud laws.
Protecting Yourself From Credit Card Fraud
Credit card fraud has become surprisingly common nowadays. Credit card fraud can potentially cause consumers a great deal of stress and hassle.
Therefore it is important to pay attention to the security features offered in your credit card deal. For example, in the case of unauthorized charges on your card, are you liable for any portion of that money?
Credit card fraud protection is also increasing with credit card companies striving to contain fraud and consumers becoming more aware of the problem. There are certain steps you can take to make sure that you are protected from credit card fraud.
When you apply for a credit card, make sure you look at the security and credit card fraud prevention features offered by the issuing company.
Fraud protection features are important for individuals and businesses.
You can protect yourself from credit card fraud by checking your monthly statements. This way you will be able to detect any unauthorized charges on your credit card.
You will have to contact the credit card company to let them know. The earlier you spot such fraudulent charges, the less negative effects they will have.
Many companies and banks also offer online account management where you can access your statements 24 hours a day.
To protect yourself from credit card fraud you should never reply to an email message that appears to come from your credit card company or your bank.
This is an omnipresent scam where fake email messages are generated to trick people into handing over their account numbers and other personal information.
Also do not give personal information when you receive a phone call purportedly from your credit card company. Be sure to call them yourself or when online enter their web address to reach the issuer’s Website.
Try to keep your credit card with you as much as possible.
When handing it to a waiter at a restraunt, be sure it is returned promptly. Keep it safe from view of others when in public so your account number stays safe. Also carry the credit card in a safe place such as in a wallet so that you do not drop it accidentally.
It is important to properly dispose off statements and other documents to prevent thieves from going through your trash and stealing your identity. This is where a shredder can come in handy.
If your credit card gets stolen or you find any indication of credit card fraud, you should report the problem immediately to the issuing company or bank. They usually have a fraud prevention hotline where their customers can report fraudulent activity.
Small steps can help you avoid falling victim to credit card fraud. While many credit card companies offer zero or limited liability for unauthorized charges, it can be a great hassle correcting the mistakes, especially on your credit report.
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