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Cloned credit card abroad

Established Contributor

Re: Cloned credit card abroad

@JuliaT wrote:

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.



Scores: Spt 20: EX FICO8 831, TU FICO8 828, EQ FICO8 823
AoOA: closed: 36 years, open: 25 years; AAoA: 11.8 years
Amex Gold, Amex Green, Amex Blue, Amex ED, Amex Delta Gold, Amex Hilton Surpass, BoA Platinum Plus, Chase Slate, Chase Amazon, Chase CSP, Citi AA Plat, Sync Lowes, Sync JC Penney - total CL 145k
Loans: Prosper (20k/3yrs 7.14%), Lending Club (10k/3yrs 5.89%), Chase car loan (35k/6yrs 0.9%)
Message 11 of 13
Established Contributor

Re: Cloned credit card abroad

@JuliaT 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.

TU:758 06/19/20 Bank of America--EX: 776 06/10/20 Experian--EQ:810 09/25/18 Citi--Gardening since 07/02/20
Bank of America (Better Balance Rewards M, Cash Rewards WM, Cash Rewards VS), Blispay V, Capital One (Quicksilver VSC, Walmart WMC), Chase(AARP VSC, Amazon Prime VSC, Freedom VSC, Slate VC), Citi Dividend MC, Citizens GreenSense MC, Discover It C, FedEx Employee Credit Association V, FNBO Ducks Unlimited VS, HSBC Cash Rewards WMC, PenFed Platinum Rewards VSC, Synchrony Bank(PayPal Credit, PayPal 2% Cashback M), UMB Bank Simply Rewards V[Milford Federal], US Bank (Altitude Go VSC, Cash+ VSC)
Wishlist: AOD Signature, Bellco Colorado Rewards, EBates, Marvel, Nusenda Platinum Cash Rewards, PenFed Pathfinder, Security Service Power Travel Rewards, Vantage West Connect Rewards, Wells Fargo Propel
Message 12 of 13
New Member

Re: Cloned credit card abroad

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

Message 13 of 13
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