Credit/Debit Theft

[Badfinger]

Good reason not to use your debit card. They can drain your account. I only use my credit card.

 

I am with you on this. The only time I use my debit card is to withdraw cash from the nearby credit union who issued me the debit card.

 

I never use it anywhere else. And I mean NEVER, as in nada, zippo, zero...NEVER.

 

Always use my credit card and I never, yes NEVER, let it out of my sight. No way do I let a waiter take it to the back to run it, etc. Places like that it is straight cash homey!

[volmoma]

Chips in cards are suppose to be safer....NOT. We've had our card info hacked 3 times in the last year and a half. My hubby and I have different last 4 #'s and both were hacked by the same person. ??? But all it took was a phone call and accounts were closed and new cards issued. All within 4-5 days. No way would a debit card be straightened out that smoothly or quickly. Plus no monies tied up to the breached debit card. Not sure about you guys but I like to have my $$$ where I can get it at all times. Younger couples, first time cruisers, setting up accounts on line for up coming cruises.....you don't have to put up a debit card. You can op for cash monies when you check in at the port. I'm thinking they ask for maybe $250 per person on a 7 day cruise. It's the way to go if you don't have a cc. [emoji4]

 

 

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[fshstck]

Are you sure your BF didn't book a surprise cruise? Check with Carnival.....

 

Wouldn't that be sweet!

[poobears]

I've had my debit card info hacked twice, both were caught quickly at the bank when it happened and I was never left fighting to get my money back. They instantly put a freeze on the transactions, called me to verify and the whole thing was hassle free. Not sure why everyone thinks you are out the money with a debit card, as long as your debit card carries a Visa or mastercard seal on it you carry credit card type protection. You need to change banks if your bank is giving you a hassle when you have issues with a debit card.

 

Once I was using my card in one state while someone else was using it across the country with my pin #. How anyone could possible get my pin is beyond me, unless it was in one of the big data hacks that went on at the big stores. I never run it as a debit at a gas station and don't use ATMs to get money so no way someone skimmed it there. It had to come from inside a company terminal/system. While I was buying groceries they were renting construction equipment. Not smart since they had to put their ID and everything on file.

 

My bank contacted the company they rented at and alerted them to the fraud and took it from there. Returned the money to my account immediately, they took care of the rest. I had a new card the same day. The other time they called and said they saw odd activity, asked if those charges were mine, I said no, they froze them, credited my account and again I went in and picked up a card the same day.

 

Dh had a charge hit his account that wasn't his and the dispute process was very easy on that too. You all need new banks.

[volmoma]

Because of what happened to my daughter n son in law several years ago. Evidently things have gotten much more efficient. Glad you had a much better resolve than they did. However they did get their $$ back but it did take a while and their bills had to be paid, my daughter didn't know anything had happened until she tried to put gas in her car and her card was declined.

 

 

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[seamusdad]

Yes . I used to put my credit card info when I I did my online check in. Now I just put that I'm doing a cash account . It's easy to give my credit card when I check in and get my sail and sign card.

 

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[Oppalopa]

I have a feeling that it has nothing to do with Carnival and is more likely related to a local incident or a bank issue. Debit/credit theft can happen even if you don't use the card. Information can be hacked from the bank, your mail, even from someone being in close proximity to your wallet can steal information (that's why there are rfid protection wallets now). I hope you get the issue resolved. I'd recommend limiting the amount of sensitive mail that you get, change passwords, etc just in case. We no longer get bank or credit card statements in the mail because there is just too much sensitive information.

 

 

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But doesn't that mean that you are getting bank info on the internet? That is even more risky to me than the mail.

[PattBenatar]

Something interesting happened recently and I thought I'd share. First, I want to say that I am not accusing anyone or saying Carnival is at fault.

 

BF and I are booked on the Oct 23rd Pride cruise. Our trip was paid 100% for using my credit card. We did the onboard check-in..he chose to link his debit card to his account. I chose to link my credit card to my account. However, I used my debit card to purchase a case of water ahead of time.

 

We both recently were victims of fraud. His debit card was hit for $2800 and my debit card was hit for $80.54. His were charges on a Carnival cruise ship out of Miami and mine was a gas station charge out of Fayetteville, PA. :mad:

 

Normally, I'd just shrug it off and say it happens all the time. I use my debit card daily... of course it could be stolen. What makes this curious is..he very rarely uses his debit card. Linking his debit card to the S&S account is the first time it would have been used in months and months. He's a cash guy. I didn't even know he had a debit card until recently. Carnival.com is the only place that both of us put our debit card numbers into.

 

Sooo..its still being investigated. We will get our money back, thankfully. I just really don't know what to think..logically, it seems fishy that this would happen the way it did. If he used his debit card frequently, I wouldn't think anything of it.

 

I guess this is just a word of warning..watch for weird charges on your accounts. Again, I am not blaming Carnival. I completely understand the risk of putting your card info out there into the internet world. This is a total fluke, I'm sure. These scammers are amazing at getting your info these days. I just really think I will be paying for my future Carnival cruises with gift cards.

 

You both need different banks! His bank should have froze his account had he not notified them prior to leaving. Same with you.

 

I drove down from MN, by the time I hit Florida all my credit cards and my debit card was frozen. EVEN when I notified them weeks prior of me leaving. I called and they made good so I could proceed.

 

I stopped at 4 ports on a B2B trip, in Mexico someone had skimmed my info on my credit card, they attempted to purchase something that was not my "norm" even being on vacation, they froze my account.

 

My fraud department on both my CC and my debit accounts are amazing! They saved me a lot of headaches and I will always use them. You should always contact all your account companies and share with them every bit of information and tell them what charges you may or may not have coming in.

 

Carry cash in ports, for extra security if you are not planning on making a large purchase.

Edited October 18, 2016 by PattBenatar

[BellaSweet]

You both need different banks! His bank should have froze his account had he not notified them prior to leaving. Same with you.

 

I drove down from MN, by the time I hit Florida all my credit cards and my debit card was frozen. EVEN when I notified them weeks prior of me leaving. I called and they made good so I could proceed.

 

I stopped at 4 ports on a B2B trip, in Mexico someone had skimmed my info on my credit card, they attempted to purchase something that was not my "norm" even being on vacation, they froze my account.

 

My fraud department on both my CC and my debit accounts are amazing! They saved me a lot of headaches and I will always use them. You should always contact all your account companies and share with them every bit of information and tell them what charges you may or may not have coming in.

 

Carry cash in ports, for extra security if you are not planning on making a large purchase.

 

 

My bank is awesome. They froze my account as soon as the fraudulent charge happened, in a town 4 hours away.

 

I'm not sure what you're talking about "his bank should have froze his account had he not notified them prior to leaving" We didn't go anywhere.

 

 

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[Cushing985]

I once had bogus charges on my debit card. After dealing with the bank and got my money back I now never let the card out of my sight. If I can't swipe the card personally I don't use it. Restaurants will typically take your card to another room and process the payment. God knows what they're doing with it...writing down the card number and the 3 digit code on the back of the card? Who knows...it's out of sight! And never ever use a debit card on-line!

[Kevin]

I am with you on this. The only time I use my debit card is to withdraw cash from the nearby credit union who issued me the debit card.

 

I never use it anywhere else. And I mean NEVER, as in nada, zippo, zero...NEVER.

 

Always use my credit card and I never, yes NEVER, let it out of my sight. No way do I let a waiter take it to the back to run it, etc. Places like that it is straight cash homey!

 

Why have the debit card? Ask for an ATM only card. Internal fraud could still compromise your debit card letting you experience all the pain associated.

[janrey1234]

My bank is awesome. They froze my account as soon as the fraudulent charge happened, in a town 4 hours away.

 

I'm not sure what you're talking about "his bank should have froze his account had he not notified them prior to leaving" We didn't go anywhere.

 

 

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Have him setup text message service where any charge is automatically texted to his phone. This way when someone tries to use it he knows right away and can put a halt to it immediately.

 

I hope you find out what happened, his is suspicious, yours could be just a coincidence. I wonder if some computer glitch caused his number to go onto someone elses onboard account. Years ago I got a call from a "cop" who said my card information was found in the presence of someone arrested for credit card fraud. I am not a trusting person and he wanted information. Instead I called my credit card company, gave them his information, and they closed the account immediately even though no fraud had yet occurred. What happened on it like other fraud cases, I never found out

[Elaine5715]

My ex-BIL had a similar story. My sister put in her credit card for herself and he used his debit card to set up online accounts. A large number of items like spa treatments, gratuities, drinks, casino charges, photos were charged to his debit card. He pitched a fit and told her that it was fraud so all the charges were removed. Fast forward, and a friend sent her some pictures posted on FB with her husband and his girlfriend on the same sailing.:eek:

[poobears]

Heck even paypal calls me for suspicious activity on my card. One year I was shopping and spending way beyond my norm at several stores due to Christmas and got a call when I got back in the car, about 3 hours after my first store stop. It was Paypal verifying that it as me using my card because it was out of my typical buying patterns.

 

If your bank doesn't keep up with your account as well as paypal does, again I say it's time to change banks.

[Sitzmark]

Have him setup text message service where any charge is automatically texted to his phone. This way when someone tries to use it he knows right away and can put a halt to it immediately.

 

I hope you find out what happened, his is suspicious, yours could be just a coincidence. I wonder if some computer glitch caused his number to go onto someone elses onboard account. Years ago I got a call from a "cop" who said my card information was found in the presence of someone arrested for credit card fraud. I am not a trusting person and he wanted information. Instead I called my credit card company, gave them his information, and they closed the account immediately even though no fraud had yet occurred. What happened on it like other fraud cases, I never found out

 

most banks have an app for smart phones. I get instant notifications whenever I make a charge.

 

When someone tried to use my Capital one card to buy gift cards I got notified immediately via the app. I called them, they reversed the charge instantly and I had a new card in my hand 24 hours later.

[siestakeys04]

Had my debit card hacked for the first time 2 weeks ago. Charges in California I live in NC. I think mine was done at an ATM because I checked my account and I could see where they looked at the balance before they started charging. $460 total at a Hyatt. I did get my money back the next day is just terrible that this stuff is happening.

[DebJ14]

NEVER EVER USE A DEBIT CARD!! So much headache tied to them. Holds on you money, theft ( it will probably be straightened out but how long will it take?) Just saying. I realize some don't have CC's but for cruising I'd definitely apply for a low line of credit just to have.

 

 

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I agree completely, and so does my bank manager. She said she spends more time cleaning up debit card messes than anything else. She advised us to either cut up the debit cards or promise to only use them at the bank's ATM and nowhere else.

 

We cut up the debit cards on the accounts with high balances as soon as they arrived and only use the debit card on the household account for getting cash at the ATM.

 

Thankfully, the debit card has never been hacked, but the credit cards used to get hacked all the time until we got the Chip cards, which we carry in RFID wallets.

[isaiahsnana]

I've had my debit card info hacked twice, both were caught quickly at the bank when it happened and I was never left fighting to get my money back. They instantly put a freeze on the transactions, called me to verify and the whole thing was hassle free. Not sure why everyone thinks you are out the money with a debit card, as long as your debit card carries a Visa or mastercard seal on it you carry credit card type protection. You need to change banks if your bank is giving you a hassle when you have issues with a debit card.

 

Once I was using my card in one state while someone else was using it across the country with my pin #. How anyone could possible get my pin is beyond me, unless it was in one of the big data hacks that went on at the big stores. I never run it as a debit at a gas station and don't use ATMs to get money so no way someone skimmed it there. It had to come from inside a company terminal/system. While I was buying groceries they were renting construction equipment. Not smart since they had to put their ID and everything on file.

 

My bank contacted the company they rented at and alerted them to the fraud and took it from there. Returned the money to my account immediately, they took care of the rest. I had a new card the same day. The other time they called and said they saw odd activity, asked if those charges were mine, I said no, they froze them, credited my account and again I went in and picked up a card the same day.

 

Dh had a charge hit his account that wasn't his and the dispute process was very easy on that too. You all need new banks.

 

This is exactly how mine works as well. Been with the same credit union for 20 years. The only time mine was hacked someone was trying to buy tires in Alabama when I was getting groceries in Texas - they stopped the transaction in Alabama and gave me a new card as soon as I drove across the street to a branch of the credit union.

[rjrice1]

Chase alerted me early this am asking if I just bought $400 in Miami..

I responded NO... later I called them and was informed that someone bought gift cards to Burlington Coat ... don't even like the store.

I called that store and they didn't care.... well they will when Chase refuses to pay them.

These low life people ought to get real jobs and leave us hard working people alone.

[thinfool]

We have had our CC's hacked two or three times in the last 5 years. Usually we have figured it out before the CC fraud department did.

 

Last time I dealt with Citibank and learned something rather interesting. Namely, the banks could care less. CC fraud is the cost of doing business. So now I don't care either. I will react to fraud in a responsible way, but I won't lose any sleep over it.

 

CC companies in the US have no serious interest in stopping fraud. In Europe, chip n pin cards have drastically reduced CC fraud for several years. In the US, banks openly say that remembering a PIN is beyond the ability of US cardholders, it would confuse them. And, add to that that, now that we have a lot of chipped cards, they still provide the mag strip, allowing hackers to have their way on a regular basis. Amazing.

 

For those with rfid wallets, do a little research as to their value with a chipped card. Be sure your source is not from someone who wants to sell you the wallet.

[Germany44]

You both need different banks! His bank should have froze his account had he not notified them prior to leaving. Same with you.

 

I drove down from MN, by the time I hit Florida all my credit cards and my debit card was frozen. EVEN when I notified them weeks prior of me leaving. I called and they made good so I could proceed.

 

I stopped at 4 ports on a B2B trip, in Mexico someone had skimmed my info on my credit card, they attempted to purchase something that was not my "norm" even being on vacation, they froze my account.

 

My fraud department on both my CC and my debit accounts are amazing! They saved me a lot of headaches and I will always use them. You should always contact all your account companies and share with them every bit of information and tell them what charges you may or may not have coming in.

 

Carry cash in ports, for extra security if you are not planning on making a large purchase.

 

 

 

 

 

 

 

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[Doggielover68]

But doesn't that mean that you are getting bank info on the internet? That is even more risky to me than the mail.

 

 

Not if you keep your computer free of viruses and regularly change your secure passwords. My credit card statements had my full credit card number on them. Online it does not. The Internet is not as scary as it seems.

 

 

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[pbfp2008]

We have had our CC's hacked two or three times in the last 5 years. Usually we have figured it out before the CC fraud department did.

 

Last time I dealt with Citibank and learned something rather interesting. Namely, the banks could care less. CC fraud is the cost of doing business. So now I don't care either. I will react to fraud in a responsible way, but I won't lose any sleep over it.

 

CC companies in the US have no serious interest in stopping fraud. In Europe, chip n pin cards have drastically reduced CC fraud for several years. In the US, banks openly say that remembering a PIN is beyond the ability of US cardholders, it would confuse them. And, add to that that, now that we have a lot of chipped cards, they still provide the mag strip, allowing hackers to have their way on a regular basis. Amazing.

 

For those with rfid wallets, do a little research as to their value with a chipped card. Be sure your source is not from someone who wants to sell you the wallet.

 

This is wrong for many different reasons.

[A Pisces]

This just happened to my niece last week. They had already paid their trip in full with their debit card. They did their online check in and put in their credit card to set up the onboard spending account this week, and within just a few days, they had several charges on their credit card from Carnival, and they haven't sailed yet. Card is being replaced, and I am recommending that they don't input the new number.

[Roscoe13]

This just happened to my niece last week. They had already paid their trip in full with their debit card. They did their online check in and put in their credit card to set up the onboard spending account this week, and within just a few days, they had several charges on their credit card from Carnival, and they haven't sailed yet. Card is being replaced, and I am recommending that they don't input the new number.

 

Are you sure that wasn't just the hold Carnival puts on credit cards?