Recently my card was used fraudulently. Online orders on Apple.com, DicksSportingGoods.com, etc. Whether my card info was stolen by a skimmer at a retail store or victim of a data breach online, I guess I'll never know.

The point is once the fraud was detected the card was cancelled, I wasn't responsible for the charges, and they issued a new card.

But I wanted more. I spoke with their fraud department and wanted to help. What could I do? Would they pursue charges themselves or could they at least provide order numbers, delivery addresses, IP addresses, etc? I would pursue it myself if I had the information.

They couldn't care less. Said they wouldn't do anything and told me to not worry about it.

If this is how they handle it - no wonder credit card fraud is rampant. Best case scenario the thief gets free items. Worse case scenario the order is cancelled before it ships and they get nothing until they try again.

Madness.

This post was edited on 12/22/25 at 7:49 pm

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Posted by Bass Tiger

Member since Oct 2014

53843 posts

Posted on 12/22/25 at 7:52 pm to Smeg

I'm still stumped on why any credit card can be used without a security code/PIN to authorize every transaction.

All my company credit cards through the years required a PIN to use but for some reason anyone can steal a regular Joe's credit card and swipe away or punch the numbers in online to purchase merchandise and services.

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Posted by Jugbow

Member since Nov 2025

1538 posts

Posted on 12/22/25 at 7:54 pm to Smeg

I don’t need to and don’t want to risk going to jail even if an online user says there’s no punishment.

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Posted by Shamoan

Member since Feb 2019

13213 posts

Posted on 12/22/25 at 7:54 pm to Smeg

We need a servant of justice…will you heed the call?

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Posted by oldskule

Down South

Member since Mar 2016

23296 posts

Posted on 12/22/25 at 7:55 pm to Smeg

I cancel mine every year or 2.....and get new numbers.

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Posted by BobABooey

Parts Unknown

Member since Oct 2004

15949 posts

Posted on 12/22/25 at 8:18 pm to Smeg

The bank that issues the credit card is not held financially responsible; the seller/business is. Credit card issuers have extensive fraud detection and prevention procedures but they can never get fraudulent use down to zero. And a large chunk of fraud is family fraud where a kid uses a parent’s card, for example, and the parents rarely want to press charges.

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Posted by bhtigerfan

Baton Rouge

Member since Sep 2008

32993 posts

Posted on 12/22/25 at 9:08 pm to Smeg

I think the merchant is the one on the hook for credit card fraud and not the financial institution that issues the card or the card holder.

If a merchant accepts a credit card from a person for payment, it’s on them to verify that the person using it is the rightful owner.

Honestly, every merchant should ask for a legit ID for every credit card purchase. But they don’t.

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