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26 votes

Dropship scammer hasn't billed yet - what's going on here?

"How does this scam work?" questions are hard to answer objectively. I think there are a few likely outcomes: They will bill you later. Weeks or months later after you forgot about the ...
Freiheit's user avatar
  • 8,742
24 votes

Can I dispute a credit card charge for a hacked Vanilla Visa Gift Card?

There were news stories regarding this type of theft in the Washington DC area, as well as other parts of the country. Yes, complain to the place you bought the card. Yes, complain to police. Yes, ...
mhoran_psprep's user avatar
23 votes
Accepted

Should I report stolen card or damaged card if the CVV was stolen?

You should definitely call your bank and report the incident to them. It is most likely that they'll cancel the card and will reissue it with a new number and CVV. Subscriptions should be ...
littleadv's user avatar
  • 176k
23 votes

A stranger messaged me “please put 10 dollars on my card”, followed by a card number. Is this a known scam?

Well, this is a pretty old type of fraud. Usually, registered funds are collected to help children, and even they are often questionable. Don't fall for something like this.
Maximilian Bauer's user avatar
23 votes
Accepted

0 APR Promotional Offer For Credit Cards

Would you be able to get the same promotional offer again? You can't get the promotional offers on the same card immediately, and some are once in a lifetime. You might be able to string together ...
Hart CO's user avatar
  • 70.5k
22 votes
Accepted

Online shopping: order date vs shipping date vs charge date

Yes, Amazon is obligated to charge your card in this way because Visa's merchant rules require all merchants to charge a customer's card only when an order actually ships. 1.5.7.1 Transaction Deposit ...
josh3736's user avatar
  • 450
22 votes
Accepted

When a customer buys a product with a credit card, does the seller receive the money in installments or completely in one transaction?

This depends on who extends the credit. If it is the seller who extends the credit (i.e.: the seller is the one allowing the installments) then they'll receive the money in installments. If it's the ...
littleadv's user avatar
  • 176k
20 votes

Can I dispute a credit card charge for a hacked Vanilla Visa Gift Card?

Reading the comments it is clear that some people misunderstand the question. Can I successfully dispute the CVS charge on my personal credit card that I used to purchase these 4 gift cards? The OP ...
littleadv's user avatar
  • 176k
19 votes

Extended warranty scam -- should I dispute the credit card transaction?

If I want to get the $2000 back, should I wait to see if he actually voids the transaction, which is still pending on my credit card? Or should I go ahead and dispute it? A person wanted you to trust ...
mhoran_psprep's user avatar
18 votes

A stranger messaged me “please put 10 dollars on my card”, followed by a card number. Is this a known scam?

I don't even know how I could put money on a credit card. This is possible. There are types of prepaid cards by major credit card companies that can be replenished and can be used like credit cards, ...
Anketam's user avatar
  • 281
16 votes

Can I dispute a credit card charge for a hacked Vanilla Visa Gift Card?

No, you can not dispute the charge. I'd try going back to that CVS, talking to the manager (who is almost certainly not the criminal, they have too much to lose), letting them know they have a ...
keshlam's user avatar
  • 47.5k
14 votes

When a customer buys a product with a credit card, does the seller receive the money in installments or completely in one transaction?

When a customer buys a product with a credit card, does the seller receive the money in installments or completely in one transaction? OK, so a) you bought with a credit card, and b) you're wondering ...
Harper - Reinstate Monica's user avatar
14 votes

Online shopping: order date vs shipping date vs charge date

Clearly Amazon billed your credit card on the date that each of the two items you ordered was shipped. This seems very reasonable. Charging when shipped simplifies things in many ways. For example it ...
DJClayworth's user avatar
  • 33.4k
14 votes

Should I report stolen card or damaged card if the CVV was stolen?

Should I report stolen card or damaged card if the CVV was stolen? Don't report it as either. Talk to a person at the credit card company, explain exactly what happened. Let them decide what to do. ...
mhoran_psprep's user avatar
14 votes
Accepted

Extended warranty scam -- should I dispute the credit card transaction?

Yes, if a lot of people charge back to a merchant their processor will drop them. No, he will not win the dispute for an over-the-phone transaction with no written contact. Dispute ASAP and don't wait....
littleadv's user avatar
  • 176k
14 votes

What is this scam? Card CVV entered incorrectly too many times

Given how low the transaction amounts were, they may have been trying to see whether the CVV was valid. If the first transaction goes through, then they would have tried a larger one. I have of ...
Acccumulation's user avatar
11 votes
Accepted

Can Visa, Mastercard... credit/debit cards be used to receive online payments?

Generally the answer is no, you cannot move money from one credit/debit card to another directly. These are not designed to be peer to peer payment methods, they work through centralized settlement ...
littleadv's user avatar
  • 176k
10 votes

0 APR Promotional Offer For Credit Cards

There is already a great answer here, but I'd like to add something that is slightly more than a comment. You wrote: what happens if you cancel the card later (with no remaining balance) and would ...
Tashus's user avatar
  • 201
9 votes
Accepted

Is donating to charity by debit card better than by either check or credit card?

In the US A regulated debit card (mid to large banks) has a maximum transaction fee of 21 cents plus 0.05%, by law. (Durbin amendment) The Visa credit interchange rate for charities is 1.35% plus 5 ...
user71659's user avatar
  • 3,644
8 votes

Adding someone as an authorized user vs giving them credit card details

Legally these are the same things. Your intention in giving your credit card details is to authorize them to use them. In practice, merchants are not supposed to allow people to use credit cards with ...
littleadv's user avatar
  • 176k
8 votes

A stranger messaged me “please put 10 dollars on my card”, followed by a card number. Is this a known scam?

Basic principle: if you have to ask, it's probably a scam. And there are very few which are genuinely new; they just get decorated differently as communications and technology evolve. In this case, if ...
keshlam's user avatar
  • 47.5k
8 votes

Online ticket website confirmed order but didn't deliver tickets + charge my credit card so I bought again

If the vendor failed to deliver the order, you could contact the credit card company and have them "charge back" the purchase price. But here, they did deliver it; you simply failed to look ...
keshlam's user avatar
  • 47.5k
7 votes

How can banks & credit cards fall victim to what seems obvious fraud?

Fraud Warnings Don't necessarily believe generic fraud warnings written online by people you don't know. This includes people you know passing on "warnings" that they have read online. There ...
DJClayworth's user avatar
  • 33.4k
7 votes

Does the customer have obligations under Know Your Customer?

It is not your problem in a sense that you are not legally obligated to come to the branch. It is your problem in a sense that if they feel they cannot comply with the regulations, they'll have to ...
littleadv's user avatar
  • 176k
7 votes

Are contactless cards more secure than "insert required" cards?

tl;dr: Contactless payment without a PIN is not more secure than contact chip without a PIN unless you're making a purchase at an automated kiosk where a thief may have installed a skimmer on the card ...
reirab's user avatar
  • 825
6 votes

Online shopping: order date vs shipping date vs charge date

The online seller has two possible sources of rules regarding when they bill: the government the credit card network In the United States the Federal Trade Commission seems to be concerned with did ...
mhoran_psprep's user avatar
6 votes
Accepted

what is a cash payment transactions when it comes to credit cards?

Using the card in a shop (online or offline) to buy stuff is "regularly" using the card. This also should be the case for flight tickets. Using the card in an ATM where it gives you cash is ...
glglgl's user avatar
  • 5,415
6 votes

Can Visa, Mastercard... credit/debit cards be used to receive online payments?

Credit cards are just interfaces to revolving loans. Thus, no. Debit cards are just interfaces to “checking” or savings accounts. While it would seem that a third party should be able to deposit ...
RonJohn's user avatar
  • 50.7k
6 votes

A stranger messaged me “please put 10 dollars on my card”, followed by a card number. Is this a known scam?

I wouldn't really call that a "scam", I would call it an electronic version of good, old begging. Just that the beggar in this case is probably a professional who obtained a list of Telegram ...
Philipp's user avatar
  • 23.9k
6 votes

What is this scam? Card CVV entered incorrectly too many times

The CVV is printed on the physical card. It isn't on the chip or the magnetic strip. seemed to come from some pub in England in a town I had never been to. It is entered into the system when the ...
mhoran_psprep's user avatar

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