Last Friday afternoon I received a security notification from Barclay Fraud department (which btw has a top notch security alert system). They wanted to clarify a few recent charges on my Barclay Arrival World Elite Mastercard. I ignored the voicemail for a few hours as I had purchased gift cards from Simon mall worth $7500 to manufacture spend some valuable Barclay miles and I assumed this purchase triggered the security alert. Barclay wanted me to call in and clear recent transactions before I wa able to use my card again. I wanted to sort out the situation asap so called the fraud department and they had question on a $2800 ish charge on my card for Hotel Perla (which after googling I found out is in Prague another place on our bucket list). They went through all my recent transactions and confirmed if it were me or one of the authorized users who charged the card.
I did not panic because all major credit cards come with Fraud protection and you are never responsible for any unauthorized charges on your card. I know some folks avoid applying for credit cards for the very reason of dealing with fraud but knowing credit card companies always back you up for fraudulent transactions keeps me alive in this game.
Long story short, Barclay cancelled existing cards (including authorized users) on my Arrival card and have expedited new sets of card that should arrive here shortly. I did not have to pay anything for the unauthorized stay of $2800 at Hotel Perla which was charged on my credit card.
Can you avoid Credit Card skimming?
PC magazine did an article on how you can “possibly” avoid scammers steal your credit card information. A lot of credit card companies are switching to “chip-based” technology which is supposedly “safer” but that did not help in my case as Barclay does have the chip technology but somehow someone was able to retrieve information from my credit card and not sure if they booked an advance stay or used the card after the stay was completed and got a freebie. So bottomline is you probably cannot avoid skimming of your card but the best you can do is to stay alert.
A good habit is to check you account every couple of days and look for any charge that looks suspicious and contacting the bank right away. Make sure you email address and telephone numbers with the banks are updated so in a situation like this they know how to contact you and you are not left stranded without a credit card especially when traveling.
Have you ever had someone skim steal your credit card information?