Anytime THEY call YOU, suspect fraud. Always ask for a callback number and verify it (and call them back, don't answer questions when they call you)before giving any info. I had a friend who was called by someone supposedly from her bank requesting info, and she was stupid enough to give it to them. She lost a good bit of money.
Thieving sons of bitches
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Tom Barron
New member
When my bank called me, first off I noticed it was a local number with the appropriate prefix that the whole company pretty much solely possesses, which is a pretty good sign. Then they asked me to verify my security questions they had to make sure they were talking to me, the same ones that I set up to be asked in such a case. They never asked for account info, or SS#'s, etc. I would not have given them that type of info. In fact they did most of the info-giving as far as dates and amounts and merchants so that I could verify that I, indeed, made the charges myself.
You're right though, it would have been even better if I had requested a callback number, but as I said, the prefix was the same as all phone numbers within that financial company. Everyone in this town knows this because the bank owns the largest employer in the area that also share that same prefix. I don't believe it is available for anyone outside of the company.
Good advice though. :thumbsup:
You're right though, it would have been even better if I had requested a callback number, but as I said, the prefix was the same as all phone numbers within that financial company. Everyone in this town knows this because the bank owns the largest employer in the area that also share that same prefix. I don't believe it is available for anyone outside of the company.
Good advice though. :thumbsup:
orb69killer
New member
That's exactly what my Dad said, but up until this point, my parents were vehimently against my getting a credit card. I'm gussing I'll be getting one before the new year through my other bank. I plan to close out this bank's account once my money is back and this is all taken care of. I'm so fucking tired of this bank anyway. Gah. This whole thing is so aggrivating. I'm so pissed and everyone I report this to keeps asking if I think I know who did it. I have no idea who did it. Who would charge 375$ to half.com? You can pretty much only buy movies and books on that site. GAH! GAH! GAH! Ok, I'm a little better now.
On the bright side, I might be getting some perty new glasses. (On mom and dad of course.:tongue
On the bright side, I might be getting some perty new glasses. (On mom and dad of course.:tongue
Mr. Showcase
New member
Credit cards require restraint and self discipline. But used properly they are an awesome tool that will help you later in your life.
The best way to use them: Don't carry them. If it's not in your wallet/purse you can't use it for purchases you can't afford.
Use them ONLY for online purchases. But first, setup online banking with your bank. Then, make your purchase with the credit card. Log into your online bank account and pay the credit card company the exact amount you just spent.
Example:
You want to buy a super coolio pair of shoes. You go online and buy them. The total comes to 89.95. Pay that with the credit card. Then, before you leave the computer, you open your online banking account and setup a bill payment of $89.95 to your Credit Card.
That will build your credit history and score without jacking you all out of control.
The best way to use them: Don't carry them. If it's not in your wallet/purse you can't use it for purchases you can't afford.
Use them ONLY for online purchases. But first, setup online banking with your bank. Then, make your purchase with the credit card. Log into your online bank account and pay the credit card company the exact amount you just spent.
Example:
You want to buy a super coolio pair of shoes. You go online and buy them. The total comes to 89.95. Pay that with the credit card. Then, before you leave the computer, you open your online banking account and setup a bill payment of $89.95 to your Credit Card.
That will build your credit history and score without jacking you all out of control.
Yeah, I've tried that before, more than once. Like you said it requires discipline that is very hard to use when you have children to feed and power to keep turned on. It is very easy to run up credit cards. It's amazing how necessary things become when times get tough and how easy it is to justify maxing credit cards - especially when it's for groceries and bills...
We've finally gotten rid of all our credit cards but one and a line of credit for my hubby's computer. Credit accounts damned near drove us to bankruptcy. It's taking a long time to fix our credit and dig out from the hell of debt we're in.
Credit card companies are the greediest bastards out there (aside from insurance companies). They don't give two shits why you're in trouble. They send out these amazing offers and interest rates then the MOMENT you're late paying or you go over the limit, they slap their "regular" apr on you of obscene amounts.
I would not recommend credit cards to anybody personally. If I do, I say what Uber has, don't carry them and try not to use them at all. When you do, don't charge more than you can pay for. Keep in mind though that's not necessarily "good" for your credit. You get more points on your score when you have a running credit balance that is being paid on frequently than you do by using them and paying them off monthly. Sure, it won't be bad for your credit score to do this, but will take much longer to build good credit than if you're capable of using it the way they are intended to be used.
We've finally gotten rid of all our credit cards but one and a line of credit for my hubby's computer. Credit accounts damned near drove us to bankruptcy. It's taking a long time to fix our credit and dig out from the hell of debt we're in.
Credit card companies are the greediest bastards out there (aside from insurance companies). They don't give two shits why you're in trouble. They send out these amazing offers and interest rates then the MOMENT you're late paying or you go over the limit, they slap their "regular" apr on you of obscene amounts.
I would not recommend credit cards to anybody personally. If I do, I say what Uber has, don't carry them and try not to use them at all. When you do, don't charge more than you can pay for. Keep in mind though that's not necessarily "good" for your credit. You get more points on your score when you have a running credit balance that is being paid on frequently than you do by using them and paying them off monthly. Sure, it won't be bad for your credit score to do this, but will take much longer to build good credit than if you're capable of using it the way they are intended to be used.