topic Re: Cloned credit card abroad in General Credit Topics

Cloned credit card abroad

Anonymous — Sat, 07 Sep 2019 18:24:31 GMT

Hi everyone!

I tried to look for a similar topic but I couldn't find anything so here it is... My credit card (Capital One) got cloned somewhere in Europe. Plus, it was rejected a few times. I want to know if anyone got a similar experience. It is the only credit card I have here and it is kind of nightmare everytime a I want to pay, Im afraid something will happen.

Re: Cloned credit card abroad

Anonymous — Sat, 07 Sep 2019 18:44:52 GMT

Did you already contact Capital One to tell them about this situation and replace your card (with a new card number)?

Re: Cloned credit card abroad

StillKicking — Sat, 07 Sep 2019 19:55:37 GMT

Happened to me once (Not recently) but Cap1 contacted me about it within 10 minutes of attempted use/declined in Europe. Simple as it could be. They sent a new card, all was good.

Re: Cloned credit card abroad

HighAchiever — Sat, 07 Sep 2019 20:10:15 GMT

Welcome new visitor!!! Sorry to hear of your troubles! ☹️ Hopefully you have contacted Capital One to have your card number replaced as suggested above. Plus if your scores and profile allow it, you want to get another card from another creditor. That will give you piece of mine without all your eggs in one basket. 🤷🏻‍♂️

Re: Cloned credit card abroad

CramEiko — Sun, 08 Sep 2019 22:54:12 GMT

@Anonymous wrote:
Hi everyone!
I tried to look for a similar topic but I couldn't find anything so here it is... My credit card (Capital One) got cloned somewhere in Europe. Plus, it was rejected a few times. I want to know if anyone got a similar experience. It is the only credit card I have here and it is kind of nightmare everytime a I want to pay, Im afraid something will happen.

My BoA Debit card was physically created out of thin air while sitting in my safe at home. Not once ever used, not once, my Debit card had been sitting in my safe. When I called the fraud department, they said that the card was physically swiped. I live in TX and it was used at a market in NJ. So, you can never be to safe with your stuff. Awareness is the #1 protection you have.

Good Luck!

Re: Cloned credit card abroad

Anonymous — Mon, 09 Sep 2019 00:11:20 GMT

I had it happen to two different Canadian cards, one of which has never left my home and only been used a couple of times online, both within a few days of each other two weeks ago.

Re: Cloned credit card abroad

Anonymous — Mon, 09 Sep 2019 17:31:22 GMT

Yes, of course I did. The problem -now- is that a new card is arriving to my address.... And I'm not gonna be back in a while, so that's why I wanted to know if sb else had a similar problem ---to see other resolutions and... not to feel alone on this

Re: Cloned credit card abroad

Anonymous — Mon, 09 Sep 2019 17:34:30 GMT

omg
This defenitly makes feel better lol

How could that happen?

Re: Cloned credit card abroad

OmarR — Mon, 09 Sep 2019 20:31:57 GMT

@CramEiko wrote:
@Anonymous wrote:
Hi everyone!
I tried to look for a similar topic but I couldn't find anything so here it is... My credit card (Capital One) got cloned somewhere in Europe. Plus, it was rejected a few times. I want to know if anyone got a similar experience. It is the only credit card I have here and it is kind of nightmare everytime a I want to pay, Im afraid something will happen.
My BoA Debit card was physically created out of thin air while sitting in my safe at home. Not once ever used, not once, my Debit card had been sitting in my safe. When I called the fraud department, they said that the card was physically swiped. I live in TX and it was used at a market in NJ. So, you can never be to safe with your stuff. Awareness is the #1 protection you have.

Good Luck!

I don't use debit cards, but I take it a step further (after destroying the card) and I logon to my bank's website and block/lock the card. If a bank doesn't offer this, than I switch banks.

Re: Cloned credit card abroad

OmarR — Mon, 09 Sep 2019 20:33:53 GMT

@Anonymous wrote:
omg
This defenitly makes feel better lol
How could that happen?

Someone either has access to the database and sells the info, or someone hacks the database.

Re: Cloned credit card abroad

FlaDude — Tue, 10 Sep 2019 14:43:40 GMT

@Anonymous wrote:
omg
This defenitly makes feel better lol
How could that happen?

It happens all the time, often for reasons you have no control over, so don't worry about the why. I've probably had a couple of dozen of these over the years. One quick phone call and it's taken care of with no loss to me. This is a good reason why you should carry more than one card while travelling, you always want a backup if there are problems with one (or two). Personally I carry at least three from different providers.

Re: Cloned credit card abroad

zerofire — Wed, 11 Sep 2019 03:12:08 GMT

@Anonymous wrote:
Hi everyone!
I tried to look for a similar topic but I couldn't find anything so here it is... My credit card (Capital One) got cloned somewhere in Europe. Plus, it was rejected a few times. I want to know if anyone got a similar experience. It is the only credit card I have here and it is kind of nightmare everytime a I want to pay, Im afraid something will happen.

First rule of cards far away from home: Never have only one card.

While I have never had an exact experience as you due to picking great merchants when out of the country I have had a case where some genius in Germany thought it was a good idea to fake my Citi card on facebook. Naturally Citi was just as concerned when that charge came through so I did not have to deal with it too much. Also be aware that Capital One was recently breached so it is possible that the perpetrator leaked the info even though they are thinking they might have not done so. Lastly stolen card info is a part of having a card in the first place. It is almost impossible to be protected 100% of the time. If it was a debit card it would be worse.

Re: Cloned credit card abroad

Anonymous — Wed, 11 Sep 2019 10:11:06 GMT

Lesson learn! From now on, i'll be more aware about this, and take more than one credit card. You are right.