Fraud transactions
I have always been so careful about my credit and debit card usages, still there has been a fraudulent activity taken place on my credit card. Thankfully the banks are vigilant on these things nowadays and hence the activity did not go through. Last week I received an email mentioning that there was a transaction of 19854 INR carried out on my credit card, but the transaction has been blocked by the bank since they found it suspicious.
This activity was not attempted once, but twice, after the first attempt, I blocked my card temporarily so the second attempt also failed for the one who was trying to do it. It is scary for me. Normally when I use my cards there are multi layer authentications before the transaction gets approved. Like the otp that I receive on email and message. But for this transaction I did not receive any authentication messages. The bank must have detected this and hence the transaction did not get through.
The message that I received from my bank
Since there were 2 attempts, my bank relationship manager advised me that I should permanently disable this card. I too felt it is wise to do that, so then I disabled the use of my card permanently. I have been using this card from almost 10 years now and have been careful, I never click on any unknown links or never save my card on any platforms, yet such it has been hacked. I am only wondering how smart these hackers are. Now the hassle is that I have to apply for a new card and register it again. Since I was using this card for a long time, I remember the card number well in my mind, but now with the new card, I will have to keep referring it to for transactions. I am also thinking if I get a new card or not.
Anyways better be safe then sorry. If it is a 2 times attempt then it surely is a big threat for me, and for long will I keep the card disabled. So there was no more safety with the card and it was best to close it permanently.
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@punicwax here! Nainaz, thank you for sharing this important and frankly, quite chilling experience! It's a stark reminder that even with our best efforts, these fraudulent activities can still happen. I am glad to read that the bank was vigilant and blocked the transaction.
Your detailed account of the incident, including the bank's message and your decision to permanently disable the card, provides valuable insights for others. It’s a great point that even those of us who are extra cautious can be targeted, highlighting the increasing sophistication of these scams. Your decision to prioritize safety over convenience is a wise one and a message that will ring true for many readers. Thanks again for sharing your experience!