There really isn't much of a need to do anything else. CC fraud is pretty common. I manage about 40 credit cards (as part of my job) and if I cancelled them all everytime there was a suspicious charge, it's all I would get done. Unless you suspect that someone stole your wallet or something of that nature, there is no need to get new debit cards and all that stuff. These numbers are generally obtained from hacking places where you make purchases, etc. They most likely have no other information about you, just a list of credit card numbers they can attempt to use from wherever they stole them from (store, online, etc.)
I would love to know Amex's formula for flagging purchases. My card has been flagged 4 times in the last 3 years, but all on legitimate purchases. One I could understand because I forgot to tell them I was going overseas, but the other three are a mystery to me.
I would love to know Amex's formula for flagging purchases. My card has been flagged 4 times in the last 3 years, but all on legitimate purchases. One I could understand because I forgot to tell them I was going overseas, but the other three are a mystery to me.
Me too. On my work Amex I have some very small and legitimate under $100 purchases flagged, but yet I've had major purchases, some near $75k-$100k- and they never say a word, I don't get it.
I would love to know Amex's formula for flagging purchases. My card has been flagged 4 times in the last 3 years, but all on legitimate purchases. One I could understand because I forgot to tell them I was going overseas, but the other three are a mystery to me.
I thought you didn't have to tell them you'd be traveling overseas anymore? I have done that the past two times and both times they said they didn't need to be informed.
I would love to know Amex's formula for flagging purchases. My card has been flagged 4 times in the last 3 years, but all on legitimate purchases. One I could understand because I forgot to tell them I was going overseas, but the other three are a mystery to me.
I thought you didn't have to tell them you'd be traveling overseas anymore? I have done that the past two times and both times they said they didn't need to be informed.
I dunno - my card got flagged for making a purchase in Europe.
I got an email from BOA on my checkcard for possible fradulant charges - (5) charges of $11.33 for AMC Theaters in the UK and (2) from Coach USA in NJ - all totaling around $100. I checked online first to make sure the email was legit then called BOA. They cancelled my card (took 5 days to get the replacement - good thing I had a backup checking account!), issued a temp credit for the whole amount within 2 days (I called on a Sunday) then sent me some paperwork to fill out. They recommended I file a police report even though the card was in my possession the entire time.
They asked about purchases I've made over the phone - which was only 1 where I spoke with a real person from a local company and gave them my card number - they were mostly concerned about phone orders placed through a recording which I had none. I went to the police who said they can't really investigate into the UK but would file a report so I'd have a case # to put on my form to BOA.
A couple weeks later, Coach USA refunded the amounts so that case was closed and I'm still waiting for AMC Theaters to refund, although BOA has credited us the amount during the 60-90 day investigation.
AmEx flagged a purchase DH made when he was on a work trip in Baltimore. I thought the flag made sense even though it was him. It's sort of annoying to have to call and tell them it's fine, but DH said the call took less than 3 minutes. I love AmEx. They're very efficient and customer-service oriented.
OP, I wouldn't worry about doing anything other than getting a new AmEx card, which you've already done. CC fraud sucks, but it's generally not that big of a deal.