----- Forwarded by Malputra B Kamaruddin/MabGen/Maybank on 03/25/05 12:05 PM -----
|
Subject
| credit card- GOOD INFOMATION |
Subject: Credit Cards - GOOD INFORMATION
> CREDIT CARDS SCENE 1
>
> A friend went to the local gym and placed his belongings in
the
> locker. After the workout and a shower, he came out, saw the
locker
> open, and thought to himself, "Funny, I thought I locked
the locker.
> Hmmmmm." He dressed and just flipped the wallet to make
sure all was
> in order.
>
> Everything looked okay - all cards were in place. A few weeks
later
> his credit card bill came - a whooping bill of $14,000! He called
the
> credit card company and started yelling at them, saying that
he did
> not make the transactions. Customer care personnel verified
that
> there was no mistake in the system and asked if his card had
been
> stolen.
>
> "No," he said, but then took out his wallet, pulled
out the credit
> card, and yep - you guessed it - a switch had been made. An expired
> similar credit card from the same bank was in the wallet. The
thief
> broke into his locker at the gym and switched cards.
>
> Verdict: The credit card issuer said since he did not report
the card
> missing earlier, he would have to pay the amount owed to them. How
> much did he have to pay for items he did not buy? $9,000! Why
were
> there no calls made to verify the amount swiped? Small amounts
rarely
> trigger a "warning bell" with some credit card companies.
It just so
> happens that all the small amounts added up to big one!
>
> SCENE 2
>
> A man at a local restaurant paid for his meal with his credit
card.
> The bill for the meal came, he signed it, and the waitress folded
the
> receipt and passed the credit card along. Usually, he would just take
> it and place it in his wallet or pocket. Funny enough, though,
he
> actually took a look at the card and, lo and behold, it was
the
> expired card of another person.
>
> He called the waitress and she looked perplexed. She took it
back,
> apologized, and hurried back to the counter under the watchful eye
of
> the man. All the waitress did while walking to the counter was wave
> the wrong expired card to the counter cashier, and the counter
> cashier immediately looked down and took out the real card.
No
> exchange of words --- nothing! She took it and came back to
the man
> with an apology.
>
> Verdict: Make sure the credit cards in your wallet at yours.
Check
> the name on the card every time you sign for something and/or
the
> card is taken away for even a short period of time. Many people
just
> take back the credit card without even looking at it, thinking
that
> it has to be theirs.
>
> FOR YOUR OWN SAKE, DEVELOP THE HABIT OF CHECKING YOUR CREDIT
CARD
> EACH TIME IT IS RETURNED TO YOU AFTER A TRANSACTION!
>
> SCENE 3
>
> Yesterday I went into a pizza restaurant to pick up an order
that I
> had called in. I paid by using my Visa Check Card which, of
course,
> is linked directly to my checking account. The young man behind
the
> counter took my card, swiped it, then laid it flat on the counter
as
> he waited for the approval, which is pretty standard procedure.
>
> While he waited, he picked up his cell phone and started dialing.
I
> noticed the phone because it is the same model I have, but nothing
> seemed out of the ordinary. Then I heard a click that sounded like
my
> phone sounds when I take a picture. He then gave me back my card but
> kept the phone in his hand as if he was still pressing buttons.
>
> Meanwhile, I'm thinking: I wonder what he is taking a picture
of,
> oblivious to what was really going on. It then dawned on me: the only
> thing there was my credit card, so now I'm paying close attention
to
> what he is doing.
>
> He set his phone on the counter, leaving it open. About five
seconds
> later, I heard the chime that tells you that the picture has been
> saved. Now I'm standing there struggling with the fact that
this boy
> just took a picture of my credit card. Yes, he played it off
well,
> because had we not had the same kind of phone, I probably would
never
> have known what happened.
>
> Needless to say, I immediately canceled that card as I was walking
> out of the pizza parlor. All I am saying is, be aware of your
> surroundings at all times. Whenever you are using your credit
cards,
> take caution and don't be careless. Notice who is standing near
you
> and what they are doing when you use your card. Be aware of
phones
> because many have a camera phone these days.
>
> When you are in a restaurant and the waiter/waitress brings
your card
> and receipt for you to sign, make sure you scratch the number off.
> Some restaurants are using only the last four digits, but a
lot of
> them are still putting the whole thing on there. I have already
been
> a victim of credit card fraud and, believe me, it is not fun.
The
> truth is that they can get you even when you are careful, but
don't
> make it easy for them.
>
>
> FORWARD THIS TO AS MANY PEOPLE AS YOU CAN THINK OF. LET'S GET
THE
>WORD
>OUT
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