Sunday, April 13, 2008

do not disreCARD

i got this off the mail and i wanted to share this with the world. ok, so maybe the stories aren't true and prolly all made up from the figment of the imaginations of a bored midget still living with his mum (sorry midgets, no offense.... *peace*). but just for the sake of being aware and my need to make sure that you lot with CREDIT CARDS, be extra cautious, please read on.

moral from these scenes: PLASTIC is bad in so many ways!



SCENE 1.

This is a new one. People sure stay busy trying to cheat us, don't they?
A friend went to the local gym and placed his belongings in the locker. After the workout and a shower, he came out, saw the locker open, and thought to himself, 'Funny, I thought I locked the locker. Hmm.' He dressed and just flipped the wallet to make sure all was in order. Everything looked okay - all cards were in place.
A few weeks later his credit card bill came - a whooping bill of $14,000! He called the credit card company and started yelling at them, saying that he did not make the transactions. Customer care personnel verified that there was no Mistake in the system and asked if his card had been stolen. 'No,' he said, but then took out his wallet, pulled out the credit card, and yep - you guessed it - a switch had been made. An expired similar credit card from the same bank was in the wallet. The thief broke into his locker at the gym and switched cards.

Verdict: The credit card issuer said since he did not report the card missing earlier, he would have to pay the amount owed to them. How much did he have to pay for items he did not buy? $9,000! Why were there no calls made to verify the amount swiped? Small amounts rarely trigger a 'warning bell' with some credit card companies. It just so happens that all the small amounts added up to one big one!



SCENE 2.

A man at a local restaurant paid for his meal with his credit card. Thebill for the meal came, he signed it, and the waitress folded the receipt and passed the credit card along. Usually, he would just take it and place it in his wallet or pocket. Funny enough, though, he actually took a look at the card and, lo and behold, it was the expired card of another person. He called the waitress and she looked perplexed. She took it back, apologized, and hurried back to the counter under the watchful eye of the man.
All the waitress did while walking to the counter was wave the wrong expired card to the counter cashier and the counter cashier immediately looked down and took out the real card. No exchange of words --- nothing! She took it and came back to the man with an apology.

Verdict: Make sure the credit cards in your wallet are yours. Check the name on the card every time you sign for something and/or the card is taken away for even a short period of time. Many people just take back the credit card without even looking at it, 'assuming' that it has to be theirs.

FOR YOUR OWN SAKE, DEVELOP THE HABIT OF CHECKING YOUR CREDIT CARD EACH TIME IT IS RETURNED TO YOU AFTER A TRANSACTION!


SCENE 3:

Yesterday I went into a pizza restaurant to pick up an order that I had called in. I paid by using my Visa Check Card which, of course, is linked directly to my checking account. The young man behind the counter took my card, swiped it, then laid it on the counter as he waited for the approval, which is pretty standard procedure. While he waited, he picked up his cell phone and started dialing. I noticed the phone because it is the same model I have, but nothing seemed out of the ordinary. Then I heard a click that sounded like my phone sounds when I take a picture. He then gave me back my card but kept the phone in his hand as if he was still pressing buttons. Meanwhile, I'm thinking: I wonder what he is taking a picture of, oblivious to what was really going on. It then dawned on me: the only thing there was my credit card, so now I'm paying close attention to what he is doing. He set his phone on the counter, leaving it open. About five seconds later, I heard the chime that tells you that the picture has been saved.
Now I'm standing there struggling with the fact that this boy just took a picture of my credit card. Yes, he played it off well, because had we not had the same kind of phone, I probably would never have known what happened. Needless to say, I immediately canceled that card as I was walking out of the pizza parlor. All I am saying is, be aware of your surroundings at all times. Whenever you are using your credit card take caution and don't be careless . Notice who is standing near you and what they are doing when you use your card.
Be aware of phones, because many have a camera phone these days. When you are in a restaurant and the waiter/waitress brings your card and receipt for you to sign, make sure you scratch the number off. Some restaurants are using only the last four digits, but a lot of them are still putting the whole thing on there.
I have already been a v ictim of credit card fraud and, believe me, it is not fun. The truth is that they can get you even when you are careful, but don't make it easy for them.

5 comments:

seweng said...

wahhhhhhhhhh another piece of education...though it's only from a midget!hahahaha!!!

good2...clap2!

Mak Su said...

alamak.. kekadang rasanya better use real cash je

redSeptember said...

i still think it is so much better to use COLD HARD CASH. yes, there may be tendency for you to be robbed raw like that with the amount of money that you are carrying. but i guess it is better this way as you know that you are loosing only THAT amount. if you were robbed via your credit card, you would and will never know how much you have been drained out of your money.

Mas said...

ehh... its true, i think...

because my father got cheated like this before... luckily (thank God) my father always check out his receipt... there was this one incident happened at one of the restaurants at bukit bintang walk some more! we ate there, and they charged us more than what they are supposed too... and they thought we didnt know how the swiping machine works... they even wanted us to take the food instead of the money!!! duh! i told them i know how it works and asked them to reverse the transaction... and lastly they did... what a bunch of sickening people! (my father then paid by cash).

and guess what? i also, few times... got cheated by famous restaurants... i hope u dont mind me typing down their names here just to remind us that we need to be extra careful with our cash or credit card... the restaurants are fast food like pizza huts, kenny rogers and secret recipes... yerps... they actually put extra items in my receipt... items that i didnt buy... or items that was different from what i ordered... which of course, need me to pay more... (worst still, i am paying cash!)

luckily and thank God (ahh... too bad they judged me by my face that is *sweet* enough that they THINK i will not argue with them... hehe) i also have the same habit as my father... check the receipt and ask if u do not know anything... better still, argue.

hehe.

(i have friends that do not mind to pay the restaurant 3 bucks more than the real cost... and do not want to argue about it... with me - NO BLARDY WAY!)

redSeptember said...

tu la....

jadi macam my mum, she checks the receipt ALL THE TIME!

even if there was only ONE item on the receipt :P

kakakakka