So, I was hit with an unauthorized charge for the first time...

[Anonymous]

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@Anonymous wrote:

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 it really messes with my system not to see when DH charges something. It's the little things that make something work just right, and for me it's being able to see a record of charges in my texts.  

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You want to get texts everyitme someone charges something? That would give me a horrible headache, especially with us making about 100 charges a month among many different cards. We'd be getting texts all day long. No thanks! I would not want to receive a text every time I charged a $1 pack of gum at the store. My time is too valuable.

[Anonymous]

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@Anonymous wrote:

. I am happily switching from Barclay to Citi (A+ to DC) for non-category spend because Barclay doesn't have the text alerts that work for me. I will begrudgingly still use SM, but it really messes with my system not to see when DH charges something.

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Tortoise - I'm not sure how long ago you checked, but Barclay's DOES have immediate text alerts as an opiton if you sign up for it. I just choose not to and don't want to be barraged by texts all day long from multiple credit card companies.

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Notice the text alert box missing there? That's what I want. I've got Chase, Citi, AmEx, and Discover set to .01 or 1.00 or whatever they'll let me. But not Barclay. 

[Anonymous]

Wow. Some months we have 250 charges in a month among all of our cards - I could not imagine wanting 250 texts every time we got a pack of gum or a sandwich. I don't have time for that.

[Anonymous]

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@onstar wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:
It was a Chase card...unbelievable.

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Why is it unbelievable?

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Sarcasm. Seems as though 90% of the fraud posts are Chase cards. I wouldnt touch them with a 10 foot pole. It appears to not be a matter of if you get compromised, but rather WHEN you will get compromised.

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Huh??

I see fraud proportionally across all banks. If you use your card, then chances are, you will get compromised.

One of my Chase cards was compromised earlier this year too. Why? Because I used it. I paid for parking in downtown LA with a Chase card. My cousin met me there and she paid for her parking with her Amex. Something funny was going on with that CC terminal at that lot because (1) the $5 charge didn't post until 30 days later and (2) both my Chase card and my cousin's Amex were compromised a couple days after the posting. Don't think they were coincidence. Point being the cards that get used get compromised. Simple as that.

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If you want to talk about proportions, do a simple search of this forum with the search term "fraud". I just did, and no joke, on just the first two pages of search results, 9 out 20 were fraud topics concerning Chase. A couple were just general questions about fraud, not reporting fraud from any certain company. If you hang around here for any amount of time, you will notice some trends, and of those trends, one is that a HIGH proportion of fraud posts are about Chase products. You are a prime example, you have a Chase card and had some fraud just this year. Yes, some fraud happens with other companies, no doubt, but no where near the levels you see with Chase.

[Man-Of-Steel]

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@Anonymous wrote:

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@onstar wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:
It was a Chase card...unbelievable.

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Why is it unbelievable?

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Sarcasm. Seems as though 90% of the fraud posts are Chase cards. I wouldnt touch them with a 10 foot pole. It appears to not be a matter of if you get compromised, but rather WHEN you will get compromised.

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Huh??

I see fraud proportionally across all banks. If you use your card, then chances are, you will get compromised.

One of my Chase cards was compromised earlier this year too. Why? Because I used it. I paid for parking in downtown LA with a Chase card. My cousin met me there and she paid for her parking with her Amex. Something funny was going on with that CC terminal at that lot because (1) the $5 charge didn't post until 30 days later and (2) both my Chase card and my cousin's Amex were compromised a couple days after the posting. Don't think they were coincidence. Point being the cards that get used get compromised. Simple as that.

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If you want to talk about proportions, do a simple search of this forum with the search term "fraud". I just did, and no joke, on just the first two pages of search results, 9 out 20 were fraud topics concerning Chase. A couple were just general questions about fraud, not reporting fraud from any certain company. If you hang around here for any amount of time, you will notice some trends, and of those trends, one is that a HIGH proportion of fraud posts are about Chase products. You are a prime example, you have a Chase card and had some fraud just this year. Yes, some fraud happens with other companies, no doubt, but no where near the levels you see with Chase.

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I think that johnnyconsumer might be onto something here.  I haven't run any searches, but I seem to recall reading quite a few threads regarding Chase cards and fraudulent charges.  I remember one thread where a poster reported that their card was hit several times (new incidents even after receiving a new card and account number).  I believe I also read where some folks had fraudulent charges on their new card before using it anywhere.  Something is definitely up in a situation like that.  Going off memory, it seems that I hear this happening the most with Chase and Barclays, but I could be wrong.  Fortunately (knock knock on wood!) I haven't had any fraudulent charges on my credit or debit cards over the years, and that's impressive considering that I used my Amex BCE at Target during the infamous data breach from 2013.

[Anonymous]

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@Man-Of-Steel wrote:

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@Anonymous wrote:

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@onstar wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:
It was a Chase card...unbelievable.

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Why is it unbelievable?

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Sarcasm. Seems as though 90% of the fraud posts are Chase cards. I wouldnt touch them with a 10 foot pole. It appears to not be a matter of if you get compromised, but rather WHEN you will get compromised.

---

Huh??

I see fraud proportionally across all banks. If you use your card, then chances are, you will get compromised.

One of my Chase cards was compromised earlier this year too. Why? Because I used it. I paid for parking in downtown LA with a Chase card. My cousin met me there and she paid for her parking with her Amex. Something funny was going on with that CC terminal at that lot because (1) the $5 charge didn't post until 30 days later and (2) both my Chase card and my cousin's Amex were compromised a couple days after the posting. Don't think they were coincidence. Point being the cards that get used get compromised. Simple as that.

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If you want to talk about proportions, do a simple search of this forum with the search term "fraud". I just did, and no joke, on just the first two pages of search results, 9 out 20 were fraud topics concerning Chase. A couple were just general questions about fraud, not reporting fraud from any certain company. If you hang around here for any amount of time, you will notice some trends, and of those trends, one is that a HIGH proportion of fraud posts are about Chase products. You are a prime example, you have a Chase card and had some fraud just this year. Yes, some fraud happens with other companies, no doubt, but no where near the levels you see with Chase.

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I think that johnnyconsumer might be onto something here.  I haven't run any searches, but I seem to recall reading quite a few threads regarding Chase cards and fraudulent charges.  I remember one thread where a poster reported that their card was hit several times (new incidents even after receiving a new card and account number).  I believe I also read where some folks had fraudulent charges on their new card before using it anywhere.  Something is definitely up in a situation like that.  Going off memory, it seems that I hear this happening the most with Chase and Barclays, but I could be wrong.  Fortunately (knock knock on wood!) I haven't had any fraudulent charges on my credit or debit cards over the years, and that's impressive considering that I used my Amex BCE at Target during the infamous data breach from 2013.

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You would also need to know the proportion of Chase cards here.   Some people have lots of chase cards, and Freedom seems a popular choice for many, so the amount of chase cards vs others needs to be taken into account.    And usage is important as that is what gives rise to more fraud.   (Again, lots of Freedom swipes!) There are other possibilities as well, such as Chase is better at proactively catching fraud so people are more aware.

To me, the real issue with johnnyconsumer's hypothesis is a lack of mechanism.   Unless people are actually hacking Chase itself, how is one type of card more likely to be attacked than another?

[Anonymous]

http://mobile.nytimes.com/blogs/dealbook/2014/10/02/jpmorgan-discovers-further-cyber-security-issues...

Less than a year ago.

[takeshi74]

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@Anonymous wrote:

I don't know, I'm still really jittery from this situation—my hands are shaking and I even feel like crying a little bit. $150 isn't a lot for other people, but it's definitely a lot for someone like me. I don't know if I'm going to be able to sleep tonight, haha...

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Don't worry over it.  That's why you have the fraud protection.  You can and should take precautionary measures but even if everything you do prevents fraud there are other channels that people have mentioned above.  Card numbers get stolen from the creditors.  Numbers get generated.  I had fraud on my new Freedom before I even received the card.  The best you can do is keep things as secure as you think reasonably possible and -- more importantly -- actively monitor all of your accounts.

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@Anonymous wrote:

You would also need to know the proportion of Chase cards here.   Some people have lots of chase cards, and Freedom seems a popular choice for many, so the amount of chase cards vs others needs to be taken into account. 

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This and other concerns as well.  Be very careful assuming trends and analyzing data based solely on forum posts.

[Anonymous]

I wasnt analyzing data. I simply pointed out that a large number of posts regarding compromised Chase accounts appear here quite often. I also pointed out that 76 million account holders information was compromised in the Chase breach last year as well. Read into that as you will.

[Anonymous]

Hey, guys. Doing a bit better now. Wondering about how to go forward.

I have a few questions; since they had to issue a new number for me, does that mean that my previous account will be closed on my CRs? I had a balance, and online my new account already shows through with the balance. Will the account be closed as an account with a balance, or will it close with $0? Will it be closed as a positive or negative account?