I usually only read emails once a day in the morning. But I was waiting for some information so I checked it about noon on Friday. An email from Chase caught my eye asking to confirm a purchase to IHOP. Crap...there's another one. This one is Nordstrom's.com for $131.00. What the heck..Nordstrom's for $131. What can you buy at Nordstrom's for $131? A pair of socks maybe? After clicking to say they were not my purchases, I hurried over to Chase.com to check my account. There was an entry for $453 and then a credit for the same amount to another .com. Then one for over $1000 and again a credit for the same amount. There were also several other charges that took my card right up to the balance. I had just checked my statement and planned to pay the balance but got interrupted. Good thing or the crooks would have gotten away with more.
So I called the Chase fraud department to close the account and get a bit of information. I confirmed which charges were mine and which were not. I asked how the hackers could use my card when I had it right in front of me. Here is some of the information I got and I thought I would pass it on to anyone that is interested.
Hackers get your card info if you swipe it in one of those fake readers you hear about being placed on gas pumps. (I always pay inside).
Hackers get your info if they have hacked a business where you have used your card.
Hackers can hack the company that issued your card.
After a Hacker gets your information they will try several transactions at .com companies such as Walmart and Amazon and then cancel the transactions in order to find out how high your limit is.
The IHOP charge was made on line, then possibly the order was picked up. It was made in Lavonia MI, at least a day drive from me. All other charges were to .com sites.
I am not sure if I will be asked for more information to prove the charges are not mine. But my card account has been closed and another card is being issued. Since my card has a chip, Chase is sending an envelope for me to return the card to them.
From now on I'm going to check my email more often. I'm going to continue to use my credit card rather than my Debit Card. I'm pretty sure if all this had happened on my checking account it would have been more difficult to get my money back.