Got a fraud alert text from my bank tonight. It was a fraudulent charge, so I replied NO to show I didn’t approve it. They deactivated my card and ordered a new one.
Here’s what I’m confused about: The fraudulent charge was for online food delivery from a restaurant about an hour away from me. How did they get my card info? Was it skimmed somehow? I mostly use tap-to-pay—does that make it safer or not? Any tips for avoiding this? This whole thing is driving me crazy.
To the person asking: your post could use more detail. If you’re trying to figure out if this was a scam or something else, try giving more context. Like where you’ve used your card recently or anything else that might help people answer better. If it’s about a scam, this forum has guides that could help.
Honestly, there’s no way to know exactly how your number was stolen. It could’ve been leaked online, stolen from a data breach, or even through a skimmer. These things happen, and it sucks.
Be cautious if you get any follow-up calls about this. Don’t share personal details, even if the number looks legit. Always call your bank directly using the number on your card. Scammers can fake caller ID!
Tap-to-pay is safer than swiping since it uses encryption. It’s not completely foolproof, but it’s definitely harder for thieves to skim compared to traditional methods.
Are you absolutely sure the alert was from your bank? Sometimes scammers send fake alerts to trick you into giving out info. Double-check it if you haven’t already.