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Your credit card company should offer a $0 liability policy for fraudulent charges. If not, switch card companies. Then it's their problem not yours.
by kingnothing 9y ago
Your credit card company should offer a $0 liability policy for fraudulent charges. If not, switch card companies. Then it's their problem not yours.
- ryanlol 9y agoYes, and if you're with a decent company chances are they'll automatically send you a new card if you've been affected.
- pacaro 9y agoLeaving you without a card for 7-10 business days.
- ryanlol 9y agoNo, this generally doesn't involve immediately cancelling your existing card, sending you a new card and canceling the old one when it arrives is a much smoother experience. Who doesn't ship next day anyway?
- pacaro 9y agoMe experience is that at the first evidence of fraud or compromise the card is cancelled. The replacement arrives 7-10 days later. I'm sure it depends on the issuer, but banks in the US tend to a lowest common denominator customer experience.
- kevin_thibedeau 9y agoChase didn't bother sending me my chip-and-pin card before canceling my old one. Took a week to get the replacement. Pissed me off to hell since the previous card was less than a year old and they should have just issued me the chipped card then.
- literallycancer 9y agoStill requires you to notice a weird spend and file the complaint/whatever process they have.
- icelancer 9y agoYes, they do. I still have to take time out of my day to audit the cards, challenge the payments, and then cancel the cards and get new ones, and update billpay everywhere else. How hard is this to understand?