Long story shortened:
Yesterday at 5:11PM my wife received an email from Chase Credit Card Services Fraud department stating a $25.00 charge had been declined that we should call a number given. I called the number on the back of our card. Our card was put, but us, on a 48 hour hold due to something entirely different and only released from the hold 6 hours prior. The email further stated that the charge had been posted as an internet purchase at 5:33PM yesterday.
My conversation was a long one, but the gist is this. Hackers have now programmed computers to randomly select 16 digits, then once it finds that a valid card randomly pick an expiration month and year and then randomly select a three digit security code. All of this in the blink of an eye, or less.
Chase rejected the charge due to an incorrect expiration date, the computer had correctly guessed at the three digit code. All of this was explained to me by the Chase fraud person. She suggested that since they had the card number and knew it was an active card that we destroy the card and they would send us a new one. She further told me that most people do not bother calling for a $25.00 charge even though they have been asked to do so. I have also placed the card on a permanent hold for any internet purchase. The security person further recommended that we buy on line only through PayPal, of course using the Chase card. We usually do in fact.
We watch every account we have, credit cards, banks and brokerage every day so we catch any fraud within a day. We do so when at home and when on the road. But this time Chase caught it within 22 minutes with an alert to us. And the attempted internet purchase was made from El Salvador.
As an aside this is the third fraudulent attempt for us with a Visa card, knock on wood never with the AmEx. Not sure why, but curious.
Yesterday at 5:11PM my wife received an email from Chase Credit Card Services Fraud department stating a $25.00 charge had been declined that we should call a number given. I called the number on the back of our card. Our card was put, but us, on a 48 hour hold due to something entirely different and only released from the hold 6 hours prior. The email further stated that the charge had been posted as an internet purchase at 5:33PM yesterday.
My conversation was a long one, but the gist is this. Hackers have now programmed computers to randomly select 16 digits, then once it finds that a valid card randomly pick an expiration month and year and then randomly select a three digit security code. All of this in the blink of an eye, or less.
Chase rejected the charge due to an incorrect expiration date, the computer had correctly guessed at the three digit code. All of this was explained to me by the Chase fraud person. She suggested that since they had the card number and knew it was an active card that we destroy the card and they would send us a new one. She further told me that most people do not bother calling for a $25.00 charge even though they have been asked to do so. I have also placed the card on a permanent hold for any internet purchase. The security person further recommended that we buy on line only through PayPal, of course using the Chase card. We usually do in fact.
We watch every account we have, credit cards, banks and brokerage every day so we catch any fraud within a day. We do so when at home and when on the road. But this time Chase caught it within 22 minutes with an alert to us. And the attempted internet purchase was made from El Salvador.
As an aside this is the third fraudulent attempt for us with a Visa card, knock on wood never with the AmEx. Not sure why, but curious.
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