How Do They Know?

Oh yes, I'm glad they caught it. I do buy clothes online occasionally, but only from one or two specific sites. And I've never bought hair products online. Though it seems a normal enough purchase.

@paigea Sometimes normal can be weird depending on what you usually do.

It's interesting as they are clothes and hair products. I've never bought any personal care products online, but clothes, I have. Maybe because both items were exactly the same amount?

@porwest Their vigilance did backfire once also. I'll post about that sometime.

@paigea That could be. It is amazing what they can detect and how quickly they can detect it.

@paigea Now even I am surprised to know that the title you have given to this discussion "how do they know", if quite apt. Initially when I read your question I was under the impression that the card was missing and that's why you got the call that there was a transaction. But your second reply clears the air for me. And this really is quite an excellent method to let you know that the card has been compromised. I think those credit card people will be the best ones to talk how they made out that the card had been compromised. I am also perplexed and trying to find out any logic behind this call. Of course, we can also login to the system and check out the transactions. But it depends on what service the particular app provides. I am surprised you don't have such a system of getting an SMS when you get a debit or credit in your bank account or if you make a purchase and the money is spent. But anyway if the system doesn't exist in your place, it means still the entire sales - purchase system is working fine for you. And you get to know all your transactions by logining into your system.

@abhi_bangal Yes, I just have to remind myself to do it.

His card wasn't missing but still got used somehow. That is a good system to get a text when a purchase is made. We do not have that service. We can login to our account and look at all the transactions.

I always get email or text

@rebelann I've never had a text or e-mail. I'd be sure that was a scam

I didn't answer the phone. I called them after they left a message and had to go through a big process talking to someone. And Hubby's card is cancelled

I know, that's what I thought.

I meant to add that each of those transactions were for the exact same amount. Maybe that was suspicious? Or maybe they just know from past experience that that's a fraudulent company?

@paigea Same amount? Very odd.

@TheHorse maybe that is what flagged the purchases!

@paigea I recently bought two new tires with no issues.

@TheHorse We do always use the card for new tires. So far no issue.

So glad they catch these things. They have caught it for us before too. Of course it has also backfired!

@paigea That's possible too

Maybe. Maybe they already know that's a fraudulent vendor

@paigea I see. I am glad that your bank stopped the purchase.

They were making purchases online, so I don't know where they were.

@flapiz Me too

@paigea It could have been mats for yoga. Plus a store you never shopped at

@wolfgirl569 Also something normal for me.

I do buy clothes, so seems like yoga gear wouldn't be a flag. Anyway, glad they caught it.

@paigea I understand why they would want that. But, sometimes I don't even know I'm going out of town or even out of state.

Frustrating when they do that.

@mom210 Exactly. And I've had it backfire when I let them know too.

@paigea It's good they asked first when they flagged it.

I'm glad too. The hair products I sort of get, I have never bought personal care products online. Yoga gear is something I might buy. This was Hubby's card though. He buys products in the personal care category and he might buy yoga gear as a gift for me.

I'm glad they caught it.

@paigea

I'm glad they stopped those charges from going through. But I wonder how they knew?

@paigea i am aware many have access to our personal contacts (bank, hospitals,etc) but in this way, i dunno.

They didn't say. The purchases were online.

I'm glad they caught it.

Very strange.

I don't know that. They were making purchases online.

I'm glad they do.

Hubby didn't answer the phone when they called. I called the number on the credit card from my phone. His card was already blocked before they called because he was trying to use it. A new card is on the way.