# Well, damn, credit card hacked! **URL:** \ **Category:** The BBQ Pit\ **Created:** [April 11, 2018, 6:49pm UTC](https://boards.straightdope.com/t/well-damn-credit-card-hacked/812236 "2018-04-11T18:49:37Z")\ **Posts on this page:** 9\ **Page:** 2
**Author:** ![Eyebrows\_0f\_Doom](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/eyebrows_0f_doom/32/3119_2.png) [@Eyebrows\_0f\_Doom](https://boards.straightdope.com/u/Eyebrows_0f_Doom)\ **Post date:** [April 13, 2018, 4:04am UTC](https://boards.straightdope.com/t/well-damn-credit-card-hacked/812236/21 "2018-04-13T04:04:29Z")
> [@Spiderman](#): > > This is legislation from the federal gubmint of 'Merica. In 1978 when it was written there was small subset of people who had email…like 50 & was 5 years after the very first cell phone call, which makes it about 10 years before most people even _heard_ of them, let alone seen or used one & well before texting originated. > > How often do you update your legislation up there in the future 52nd state? 😉 IIRC AK84 lives in Pakistan. ---
**Author:** ![Quartz](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/quartz/32/267_2.png) [@Quartz](https://boards.straightdope.com/u/Quartz)\ **Post date:** [April 13, 2018, 9:45am UTC](https://boards.straightdope.com/t/well-damn-credit-card-hacked/812236/22 "2018-04-13T09:45:09Z")
> [@AK84](#): > > She said I should have it blocked. No shit! I did. Do I want to dispute the charges? You mean the multiple near hysterical shouts of “I did not make these transactions!” did not give her some indication? Please send us a written letter. Not a email, or over the phone. A written letter, detailing the issue. WTF? Did so. When this happened to me, I had to complete a form and mail it to them. They just wanted something with an actual signature. ---
**Author:** ![AK84](https://avatars.discourse-cdn.com/v4/letter/a/85e7bf/32.png) [@AK84](https://boards.straightdope.com/u/AK84)\ **Post date:** [April 13, 2018, 10:03am UTC](https://boards.straightdope.com/t/well-damn-credit-card-hacked/812236/23 "2018-04-13T10:03:53Z")
> [@Eyebrows\_0f\_Doom](#): > > IIRC AK84 lives in Pakistan. Yup. I have never ever had to fill out a form before, its all on the phone or online. Even here, the blocking of the card and the sending of a new one was done on the phone. I juts had to write wrt the disputed charges. Per the bank manager, the requirment of written notice for disputing transactions is a US one:dubious: and is being done since the charges relate to a payment to an online foreign, US based account, one which has been used legitamatley by me before. I came away feeling he did not really know the what and the why. ---
**Author:** ![elbows](https://avatars.discourse-cdn.com/v4/letter/e/b3f665/32.png) [@elbows](https://boards.straightdope.com/u/elbows)\ **Post date:** [April 13, 2018, 11:40am UTC](https://boards.straightdope.com/t/well-damn-credit-card-hacked/812236/24 "2018-04-13T11:40:24Z")
What Bank Are You Using ??? ---
**Author:** ![susan](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/susan/32/17537_2.png) [@susan](https://boards.straightdope.com/u/susan)\ **Post date:** [April 13, 2018, 2:01pm UTC](https://boards.straightdope.com/t/well-damn-credit-card-hacked/812236/25 "2018-04-13T14:01:58Z")
I’ve had my CC number spoofed in India. I hadn’t been top India or ordered anything from India. Bank said it was random,. Good times. ---
**Author:** ![AK84](https://avatars.discourse-cdn.com/v4/letter/a/85e7bf/32.png) [@AK84](https://boards.straightdope.com/u/AK84)\ **Post date:** [April 13, 2018, 2:08pm UTC](https://boards.straightdope.com/t/well-damn-credit-card-hacked/812236/26 "2018-04-13T14:08:19Z")
> [@elbows](#): > > What Bank Are You Using ??? Standard Chartered. ---
**Author:** ![Spiderman](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/spiderman/32/230_2.png) [@Spiderman](https://boards.straightdope.com/u/Spiderman)\ **Post date:** [April 13, 2018, 2:42pm UTC](https://boards.straightdope.com/t/well-damn-credit-card-hacked/812236/27 "2018-04-13T14:42:17Z")
> [@Eyebrows\_0f\_Doom](#): > > IIRC AK84 lives in Pakistan. I was replying to **Northern Piper** , who’s in Canada. > [@AK84](#): > > Per the bank manager, the requirment of written notice for disputing transactions is a US one:dubious: and is being done since the charges relate to a payment to an online foreign, US based account, one which has been used legitamatley by me before. > > I came away feeling he did not really know the what and the why. > [@AK84](#): > > Standard Chartered. Standard Chartered is a British bank; you’re using a Pakistani branch & the manager did something that is not only allowable but specifically written in the code even if it is not necessarily required for a US account based upon a txn from a merchant in the US. I’ve worked in international banking; I didn’t necessarily know the ins & outs of a foreign countries legal requirements. The manager wasn’t that far off base; I’d give him an A for knowing foreign regulations rather than an F for your perceived misinterpretation of them. ---
**Author:** ![AK84](https://avatars.discourse-cdn.com/v4/letter/a/85e7bf/32.png) [@AK84](https://boards.straightdope.com/u/AK84)\ **Post date:** [April 13, 2018, 3:32pm UTC](https://boards.straightdope.com/t/well-damn-credit-card-hacked/812236/28 "2018-04-13T15:32:57Z")
So the take away is that disputing a foreign charge may be more complicated than a domestic one & internal bank policy might mandate written requests for US merchants? ---
**Author:** ![DesertDog](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/desertdog/32/11503_2.png) [@DesertDog](https://boards.straightdope.com/u/DesertDog)\ **Post date:** [April 13, 2018, 10:00pm UTC](https://boards.straightdope.com/t/well-damn-credit-card-hacked/812236/29 "2018-04-13T22:00:39Z")
Years ago, before on-line banking was common, I received a call one evening from the fraud department of my bank. “Are you planning a trip? We have a pending transaction of some $5,000 with Continental Airline.” “Um, no. I’m not even sure they fly out of Phoenix,” (Turns out they did.) She verified my last few purchases on the card then cancelled it, letting those go through. Easy peasey. We did have a discussion about how they thought they would get away with it, since you got to show up at the airport with an ID to fly. The only thing we could figure would be a cancellation refund before the airline could react but it would have to go to another card. [Previous page](https://boards.straightdope.com/t/well-damn-credit-card-hacked/812236.md?page=1)