This is like the 3rd this has ever happened to me, and all 3 times has been with chase. I only use it to buy clothes online via apps on my phone I don’t see how this keeps happening?
How does my chase debit card keeps getting compromised?
byu/RosabeIls inpersonalfinance
Posted by RosabeIls
19 Comments
You just answered your own question. One or more of the apps you use online to purchase from your phone is compromised.
Shady websites or your phone has a virus.
Stop buying from shady places and get your phone checked.
If it’s possible… use your credit card for online shopping. There is more protection.
One of your devices is compromised or you keep shopping at shady vendors
I also think it’s suspect that the “only” use is clothing apps
Bro Chase debit cards are like magnets for fraud, I switched to using my credit card for online stuff and haven’t had issues since
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Try to shop using PayPal. This way the clothing company never gets your actual card number
Why don’t you use virtual credit card when online shopping? You will reset your balance anytime you want. Nobody can use it if it is “0” balance when unused. You determine balance when you will pay.
Most likely from skimmers are taking your data when you swipe your card at physical locations. Online payments are pretty safe. There exists, most likely, somewhere you frequent shopping that has a skimmer that has been in place for a long time without anyone noticing it. Gas station maybe?
If the fraudulent transactions keep happening at the exact same merchants, it’s because they “saved” your card information. They will keep getting your new card info until you tell your bank to block them. I think the service is called “account updater”
It’s entirely possible that your phone has malware on it.
Wipe it and if it happens again you may want to get a new phone. And if it happens again, it’s something else.
If you MUST shop online, get a separate CC just for that. One that you load a set amount onto. Like $250 max. And lock your credit on the 3 major reporting sites
We had a similar problem with a credit union Visa. Here is what we were told. It’s not the card but where it was used and where data breaches happened. So you use your card at a shoe outlet and the Visa central handling center is hacked. A million card numbers stolen! You get a notice, maybe, in the mail (email) to watch your account. The hackers might use a few numbers and might sell the rest. Some might get used but many don’t. They sit on them for months. Maybe over a year. You forget to watch your account and 13 months later they try buying a cash card at Target for $50. Your bank spots it and notifies you. You don’t even remember the old email. The card was also sold to a a-hole in Iran and he waits 3 years. Or there is another breach. It happens more than we’re aware of.
Never use a debit card, as tempting as it is, for purchases. It is directly linked to your checking account and a fraudulent transaction can wipe you out. ATM only. If they offer a virtual card number, then fine. But I use credit card with virtual number or Apple Pay for everything for the rewards cash and security.
Ally allows me to lock my debit card, maybe Chase does too?
I almost never use it, but when I do I just unlock, use it, and relock it.
Why do you keep using a debit card? Get a credit card and use the bank’s money instead. Pay the credit card bill monthly. The banks will always fight harder for *their* money. Your money, not so much.
You can use an app called Privacy to make temporary debit cards for every purchase you make to help prevent fraud.
After reading comments, would agree your acct there requires a new password and any further verification measures that it is you to log in. Would choose a stronger password. How I choose mine is like a sentence. Ex. IDontWant2Work2day! I also keep a password book so that no 2 are the same for anything financial.
Two things I will never do – authorize regular automatic transfers (ACH) from my checking account and use a Debit card for anything other than ATM withdrawals/banking. People think that because their debit card has a Visa logo, it comes with the same protections and rights as a credit card – spoiler alert: it doesn’t