Credit Card Scammer / I am a banker. Well, an ex-banker. Ironically, I got into this trouble when I am familiar with how a credit card works and how bank frauds are done.
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I am trying to remember giving away my credit card information to a stranger or opening an email from a website that looked like it was a legitimate bank site. I do not know, but I was scammed, and now I have to pay for a credit card purchase I did not make. Here is my story.
I can still remember it. The date: March 08, 2019. A customer care representative called to ask if I used my credit card for a Lazada purchase worth PHP 91,000.00 (USD 1,800). Of course, I denied it because the card was with me. I should know if I used it or gave someone the authority to use it.
Then, she advised me to fill out some bank forms and send the documents to another department. I followed her instructions. After that call, I forgot the incident completely, confident that the bank would not charge me for the illegal purchase.
I was surprised. After a few months, I received a call from another bank personnel. The bank representative asked me to pay my overdue account, reaching up to a hundred thousand pesos. I did not bother checking my credit card statement as I do not have an outstanding obligation with the bank.
I argued that I should not be charged because I denied the purchase the day the credit card scammer made the transaction. The bank personnel insisted, and so there was nothing I could do about it.
I was nervous. This time, the bank endorsed my account to an independent collection agency. Things got worst, and my credit score was affected.
Bank credit cards are useful to some extent, especially during emergencies and unplanned spending. But it can be your worst nightmare. You should always check and monitor your purchases when you see your monthly Statement of Account.
Just my 2 cents worth, banks should add another layer of security to their online transactions for a more secure online banking experience. The One Time Password (OTP) is not enough.
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Are you a scam victim? Should I pay for the unauthorized purchase? Please share your thoughts. I am happy to know your experience.
Glad to meet a fellow banker here, sir. Yes, unusual spikes in purchases are a cause for alarm. I hope you get to resolve it soon.
OMG this is aweful! Now i have to be more careful
Maging doble sa pag iingat sa mga scammers. Nandyan lang sila sa palagid.
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Sad to hear your story Mil. Most people I know told me that they discarded using credit card and instead pay cash when they purchase something. It is better that way since you don't have to worry when the bills arrived and will have no problem where to get the money to pay the bills . I have a credit card. I used it regularly when purchasing groceries in the supermarket. When purchasing online, I do not use my credit card. I prefer COD.