Originally Posted by
deant
We should all care about stolen credit card numbers.
I do, and I am glad you do too. This was the point of me being happy with the CC company declining charges when fraud was detected. It doesn't help reduce prices if they allow fraudulent charges to go through and then find out later after calling the card holder that they were fraudulent. Chase is tops at detecting fraudulent charges IMO. I am more than happy when they reject my CC as I know it is because their fantastic fraud department has detected fraudulent activity. My card has never been declined when there has not been fraudulent activity detected (except when ordering Coffee from Costa Rica years ago). Perhaps if I used my card less, then the chances would be much lower of my CC number being pilfered. But I get this feeling that the CC company and the merchants want me to use my card. Hmmm, that is kind of how it works.
Originally Posted by
deant
Also, if you have your credit information stolen so easily, then you may be the next person to have your identity stolen.
It sounds a lot like you are blaming me for my credit card number being used fraudulently. Kind of like blaming rape victims for being raped.
Originally Posted by
deant
Unlike a false credit card charge, getting your finances fixed after your identity is stolen is a far bigger task.
That is why I pay an annual fee to have all 3 credit agencies monitored for credit activity. If anyone attempted to open an account using my SSN and other identifying info I would know about it immediately.
The main difference here is that CC company is responsible for fraudulent charges to the cards they issue persuant to their T&Cs; whereas I am responsible for use/misuse of my credit; fraudulent or otherwise.