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@FretlessMayhem wrote:
What exactly is cloning a credit card? Is an entire duplicate card issued?
@smallfry wrote:
@FretlessMayhem wrote:
What exactly is cloning a credit card? Is an entire duplicate card issued?
Someone used my card for a small test purchase on the internet ($10) with the intention of running it up. I imagine someone in a restaurant grabbed the card number so I had to close it. I am OCD about all my accounts and check them at least twice daily. Paid off in this case. While I am not responsible I don't want my issuers to take the hit for ID theft.
@FretlessMayhem wrote:
I can't blame you. Such a small balance to worry about.
That's actually something I've thought about before. When I give someone my CC at a restaurant, they have access to my CC number, expiration date, and verification number thing on the back. There would also be like no way to prove it was them. Quite the predicament.
@haulingthescoreup wrote:
Sorry for the TJ -
What does PenFed say when you tell them that it's still showing as open? Sounds to me like there are two different locations where they need to update status, and they did so on one, but not the other, and it's the other location that reports. (Not that I have a clue how any of this would work.)
Did they tell you why they wouldn't report the replacement card with the original's opening date? I'm surprised by that; I thought that was SOP for every card issuer.
On another post, a member said that their CCC screwed up the security on their card, issued a replacement card, reported both, with the original showing as lost or stolen, and the member took a score hit for the "lost or stolen" designation. Did that happen to you too?
LYNN47's post has been moved to start its own thread. Thread title: Scores needed for Discover and Chase