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Monday, July 22, 2013

1376. Credit Card info hacked. Help.

I have recently gotten an email from a company I bought stuff from, telling me that their credit card information has been hacked, and that I need to watch my credit card bill carefully for fraudulent charges. What's up? And what should I do?

This is unfortunately a fact of modern life, If you use a credit card your information is going into a database somewhere. And that database is likely available on the Internet for someone who knows how to hack into the server  where its stored.  

Of course every company that processes credit cards does their best to ensure that this doesn't happen. It is always a possibility. Your consumer - it's your job to ensure that your credit card bill doesn't have items on it that weren't charged by you.

All you have to do is let the credit card company know that there are fraudulent charges if they appear on your bill and they will take them off. If you have to you can change credit card numbers to avoid the problem in the future. Yes this is a serious hassle and I wish it didn't happen but in the last month alone I received four e-mails from different companies telling me that their database has been hacked. 

Clearly there are people out there who make it there lifes goal to break into various companies and steal credit card information from those companies databases. Your job is to insure that things don't show on your credit card that you didn't charge. Yes it's bad but you need to make sure that you're not getting charged for things that you didn't charge.

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