judgediatl
Member
What is the name of your state (only U.S. law)? Ohio
My question involves criminal law for the state of: Ohio
I recently had my first bout with credit card fraud a few weeks back (as some of you may already know). While I've always been the cautious type, I guess it was bound to happen sooner or later. However, now that I've let me guard down once, I intended to never do it again. So I'm working to make things more secure so I can be more vigilante in the future. I've gotten new card numbers (canceled the old ones) and been calling every financial institution I am a member of to try and set up some future alerts. However, I'm hitting a wall. I'm getting some push-back that's causing me concern. Here is the two questions/concerns I have I was hoping to get some help with:
1) Some folks on the forum here and in several related news articles I've read all say the same thing about online shopping: turn on two-step verification. The problem is, I've called every card company I am a member of (two different banks, Visa, Capital One, the list goes on) and none seem to have any secondary verification/security they can offer outside the three digital code on the back. That does me no good, as the person who committed fraud on my account somehow had that as well. The closest I came was Visa's "verify" system. Problem is, not all retailers utilize it, so that doesn't give me the coverage I'm looking for. Is it true that there isn't much more these card companies can offer to help secure my card during online purchases?
2) If there really is no way for me to get an extra layer of security, are there any other services I could go through (like say a PayPal) that will serve as an intermediary in all my purchases? That way, the thieves never have direct access to my card number itself. I've considered pre-paid cards, but those are a pain to keep loaded all the time and not convenient.
Any help/input would be much appreciated.
My question involves criminal law for the state of: Ohio
I recently had my first bout with credit card fraud a few weeks back (as some of you may already know). While I've always been the cautious type, I guess it was bound to happen sooner or later. However, now that I've let me guard down once, I intended to never do it again. So I'm working to make things more secure so I can be more vigilante in the future. I've gotten new card numbers (canceled the old ones) and been calling every financial institution I am a member of to try and set up some future alerts. However, I'm hitting a wall. I'm getting some push-back that's causing me concern. Here is the two questions/concerns I have I was hoping to get some help with:
1) Some folks on the forum here and in several related news articles I've read all say the same thing about online shopping: turn on two-step verification. The problem is, I've called every card company I am a member of (two different banks, Visa, Capital One, the list goes on) and none seem to have any secondary verification/security they can offer outside the three digital code on the back. That does me no good, as the person who committed fraud on my account somehow had that as well. The closest I came was Visa's "verify" system. Problem is, not all retailers utilize it, so that doesn't give me the coverage I'm looking for. Is it true that there isn't much more these card companies can offer to help secure my card during online purchases?
2) If there really is no way for me to get an extra layer of security, are there any other services I could go through (like say a PayPal) that will serve as an intermediary in all my purchases? That way, the thieves never have direct access to my card number itself. I've considered pre-paid cards, but those are a pain to keep loaded all the time and not convenient.
Any help/input would be much appreciated.
