Dealing with Credit Card Hacking

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By June Ramli

Recently, I found myself dealing with the unsettling experience of credit card hacking.
I’d like to share some insights on how to handle such a situation effectively.
It all began on a typical Saturday when I noticed that my credit card was being used for unauthorized purchases.
The culprit had embarked on a shopping spree, making charges at various merchants like Dan Murphy, a Mexican restaurant, KFC, and a significant purchase on
What made this situation even more bizarre was the fact that I had never used any of these merchants before, especially Dan Murphy, considering I don’t consume alcoholic beverages.
The ordeal left me quite unnerved, but I must acknowledge my credit card provider’s cooperation when I reported the incident.
Here’s a step-by-step guide based on what I learned from this experience and what I recommend if you ever find yourself in a similar predicament:
Lock Your Card: Your first move should be to lock your card online.
This action promptly deactivates your old card and triggers the issuance of a new one.
Contact Your Bank: Reach out to your bank immediately.
Fortunately, my bank’s customer service was available even on a Saturday.
I was redirected to their fraud department, where I had to wait for about 20 minutes before speaking to a representative.
The representative suggested that my credit card might have been compromised after using websites like Scoot and
Review Recent Transactions: Scrutinize your recent transactions meticulously.
In my case, I hadn’t used recently, and my card details weren’t saved there.
However, I did make a recent purchase on Scoot and provided my CVC number.
Get in Touch with Companies: Reach out to the companies associated with your recent transactions.
I contacted Scoot, suspecting that my data might have been breached there.
However, they denied any security issues during the period I used their website.
Stay Vigilant: It’s essential to remain vigilant.
The perpetrator took almost a month to start using my card after my Scoot transaction.
I received an alert from my bank when my card was being used at KFC, a place that I don’t normally frequent, which prompted me to take action.
It’s also worth mentioning that my sister-in-law had a similar experience with her credit card after purchasing extra luggage for her Scoot flight from Singapore to Australia in August.
This serves as a stark reminder that credit card hacking is indeed a real threat.
Quick action and vigilance are crucial when you suspect foul play.
As we navigate these modern challenges of cybersecurity, it’s clear that maintaining vigilance and a proactive response is essential.
I hope my personal experience serves as a reminder to always exercise caution when using your credit card at all times.

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