Most banks will alert you if a charge goes thru over an amount you specify. I set mine for $250. But one time I was overseas and tried to pay for dinner, denied. I broke out another card and got texts asking if that was me eating fish and chips in some London bistro.

Hou-Ag said:

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There's another side of the coin regarding credit card fraud that involves the cardholder that I've been seeing a lot lately. I've been in the merchant services/cc processing industry for over 18 years.

People are finding ways to work the system to get free product/services by simply calling their bank and charging back legitimate transactions. They won't deny that they were at a particular business, but will say the price was wrong or they didn't get the service. They are hoping the business owner will not respond.

My latest one was a nail salon customer who received a charge-back for $55. Cardholder claimed they didn't get their nails done. The poor owner had to write-up a rebuttal saying they only charge after service has been rendered and also provided the signed receipt. The salon owner won her money back, but had to go through that hassle to do so. There's not much common sense being applied with these bank customer support centers.

Have seen this same thing with auto repair places, convenience stores etc. I get pissed off for these business owners and what they have to deal with.

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We did this accidentally to Target about a year ago. My wife made 5 purchases in a week (I know what a surprise) but they showed up some random address in Minnesota. Turned out it was the address to the Target financial department or something bizarre.

We called to dispute the charges, chase cleared them, and then we called back once we realized it was Target. Since, Chase changed the name to say "TARGET" on the account.

Carlo4 said:

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Hou-Ag said:

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There's another side of the coin regarding credit card fraud that involves the cardholder that I've been seeing a lot lately. I've been in the merchant services/cc processing industry for over 18 years.

People are finding ways to work the system to get free product/services by simply calling their bank and charging back legitimate transactions. They won't deny that they were at a particular business, but will say the price was wrong or they didn't get the service. They are hoping the business owner will not respond.

My latest one was a nail salon customer who received a charge-back for $55. Cardholder claimed they didn't get their nails done. The poor owner had to write-up a rebuttal saying they only charge after service has been rendered and also provided the signed receipt. The salon owner won her money back, but had to go through that hassle to do so. There's not much common sense being applied with these bank customer support centers.

Have seen this same thing with auto repair places, convenience stores etc. I get pissed off for these business owners and what they have to deal with.

---

We did this accidentally to Target about a year ago. My wife made 5 purchases in a week (I know what a surprise) but they showed up some random address in Minnesota. Turned out it was the address to the Target financial department or something bizarre.

We called to dispute the charges, chase cleared them, and then we called back once we realized it was Target. Since, Chase changed the name to say "TARGET" on the account.

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lol.

this seems like a rookie mistake. you knew you made the 5 purchases, why would call in fraud? All the amounts matched.. correct dates, etc, and you didn't google the address?

That is my first step in identifying a merchant/charge I don't recognize; highlight the name/address whatever, right click, 'search google'.

That's usually when the light bulb turns on and suddenly I realize, nope, not fraud, just me not remembering me spending money!