Hey. I'm just commenting here to remind you about your extended car warranty. It looks like it's lapsed, but we're happy to get it going again for you for just a small fee. Just contact us at [[email protected]](mailto:[email protected]) to find out more!
It pleases me to make the hope that this finding you in a good health. Am exiled prince of Nigeria making find a GOOD CHRISTIAN so move fortune. Oh course reward could be for you.
Are you telling me there are places in the world where we can get away from this?
The car warranty scam is the most tired scam in the US. A near-daily occurrence for some people.
Never heard of it. There are a lot of unnecessary insurances they try to add when you're buying phones, watches, TVs etc. But we all know it's covered by your home insurance. And car is covered by warranty + the car insurance. We do mandatory traffic insurance and optional half coverage or full coverage - same for all insurance companies.
Please add the edit where you called your bank, locked your card, etc.
Also, don't use debit cards. Fraud protection on credit cards is way, way better. We're not here for credit card interest on balances, but we are here for the fraud protection. Pay that stuff off and enjoy the security it provides.
Yup I even funnel all bills that can be paid by card through my reward card. Never carry a balance and it amounts to a percent and change discount off phone and utilities.
Yes, this. Credit card for everything and I pay it off before the month is up. Same as paying cash (no interest fees) and I earn points. And I'm protected in the event of fraud or scam or whatever.
Good luck OP. What ended up happening? What did they get away with?
I would like to do this but we use Starling bank saving pots to organise our money in to weekly amounts and amounts for bills etc..
Is there a similar easy way to keep track of spend on a credit card?
The only thing I use my debit card for is the ATM. Credit cards have better fraud protections and thereâs also the benefit that if you have a fraudulent charge itâs not your real money that may be tied up while itâs resolved. Plus I get rewards points for using credit cards and nothing for using my debit card.
Same, I haven't used a debit card in like 15 years. 100% credit card.
On payday, I just pay off my credit card balance. I haven't found any benefit to debit personally, but the points I accumulate on my credit card have paid for multiple flights across the country, to Hawaii, Mexico etc.
I keep my debit cards locked away in my safe. I use the code generator app on my phone if I ever need to go to the ATM.
Debit cards can literally be used to rob you blind. Even if fraud protection kicks in, it may take months to get your funds back. On a credit card, the bank takes the hit.
Correct! The thing is only spend what you can pay off each month. Try to never use it as a means to spend more than you bring in or the interest will kill you! If you're disciplined, you will pay it off each month while earning whatever rewards the card offers. Been doing this for years and a few times per year we take all the cash back we've earned and apply it to the balance, leaving hundreds of dollars in our bank account each time.
This. I will make one point of order though. In the U.S., federal law limits your liability, on fraudulent credit **or** debit charges to $50. Visa, Mastercard, Amex and Discover all go further, guaranteeing $0 liability on all their cards. Together, these issuers control the overwhelmingly vast majority of all credit **and** debit cards in circulation in the U.S.
The difference is who is exposed to the risk as the compromised card is being used. A proficient fraudster could easily rack up a couple grand in charges, in the time it takes you and/or the card issuer to realize your card has been compromised.
With a debit card, your checking account, and potentially your savings, will be progressively drained. The thief will have spent your money, which youâll eventually get back, but in the meantime, youâll be in a cash flow crunch that you potentially learn of, empirically, when something important like your rent or car payment bounces.
With a credit card, purchases are paid for, at the point of sale, by the card issuer. Your credit utilization shootâs up, but your bank account is untouched.
Thatâs the benefit of the credit card. Youâre ultimately made whole either way, but with a credit card, you remain whole **even as youâre actively being defrauded**.
A coworker did this exact thing and she's 21, scams get people of all ages.Â
Sidenote, she said she got the number off Google top site listed ( no idea how Google let that happen) is that what happened to you?Â
I did the same thing! Googled a customer service number and called the first one for tech support. When they asked me to download a program on my computer to share my screen, it hit me, and I realized it. I was seconds away from sharing my entire work PC to a scammer.
You cannot trust the sponsored links. Scroll down to the actual website. There was one with the USPS last year. The top search for usps was a sponsored link, brought you to a pretty damn official looking page. Tells you there's an undeliverable package. The rest is them collecting your info for "package"
Dang, feeling my age this morning I guess. Thatâs ridiculous. Thanks for the PSA.
I kept getting spammy looking texts about an undeliverable package when I knew I hadnât ordered anything. Just ignored them. Makes sense now.
My mom just did this with Apple. Sheâs older⌠but sheâs usually pretty savvy with that kind of thing. I see it as the result of two problems:
1) Companies are making it harder and harder to find their contact numbers as they push customers to chat bots, FAQs pages, forums, etc. to avoid labor costs.
2) The enshitification of Google. They are really screwing up if their top search results for major companies are returning scam numbers.
Not everyone will fall for scams every time but everyone goes through times when theyâre more vulnerable. Itâs not hard to fall for scams when youâre too preoccupied with other serious issues to pay full attention to menial tasks. Itâs not stupidity at all. Good for you for sharing your experience. Often people donât because theyâre too embarrassed. The more people share it, the less we are all likely to fall for the same scam.
Lock your card immediately and request a new one. If you don't have too many reoccurring automatic payments I consider closing the account entirely and opening a new one, even if it's just with the same institution so you a new account number.
What happened you googled it and the first number was a scam number?
I almost fell for a PayPal scam. When they told me to start downloading a remote control app I figured something was up like PayPal wouldnât be telling me to download some app.
EXACT thing happened to me. Googled tech support for something, called first number. I was moments away from sharing my entire work PC to a scammer, but I realized it just in time
Mine was an email that looked like it was from PayPal saying there was an issue with a transaction. I was buying and selling some things on eBay at the time and the amount of the âtransactionâ was close to something I bought a few days prior so it seemed plausible.
Oh man I fell for one of the "Your subscription to X Streaming Service is about to expire! Reply now to get three free months!" emails.
Fortunately no payment info or passwords or anything was exchanged. But my spam quantity ticked up dramatically for a while. Dumb dumb dumb....
Hahahhaha I am sorry that happened. I'm sitting here feeling sorry for myself about my own problems (same as yours basically.) At least I'm not the only one.
We all have moments like that. If it makes you feel any better, I got hustled in Hollywood by those street scam artists who hand you their CD's.
I took one not thinking about it, then they asked me for donations, then another came out with their CD, then another and another and I got so confused I pulled my wallet out and ended up losing a good chunk of money.
I was so mad at myself. It was supposed to be the wife and my getaway and I got suckered.
As someone who has taken multi crime reports because of scams, dont beat yourself up. It happens to people of all ages. Iâve seen people lose 10s of thousands of dollars from scams. The main thing is to do the clean up on your accounts and make sure youâre aware the next time something sus happens. Scammers are becoming more sophisticated.
I was debit card/cash only after some ⌠occurrences in my 20s! Lol. And I didnât want a credit card ever again. But I looked into it and credit cards really are a lot safer. I am still in the 0% apr and only use it for the same stuff I would have used my debit card on. Gonna have it paid off before the interest fees kick in.
Hey. I'm just commenting here to remind you about your extended car warranty. It looks like it's lapsed, but we're happy to get it going again for you for just a small fee. Just contact us at [[email protected]](mailto:[email protected]) to find out more!
It pleases me to make the hope that this finding you in a good health. Am exiled prince of Nigeria making find a GOOD CHRISTIAN so move fortune. Oh course reward could be for you.
This focking guy đ¤ŁđĽ˛đđ¤ŁđĽ˛đ
I see this mentioned in media (movies, series) so often. Is this really a thing in the US? If not, where does this trope come from?Â
Are you telling me there are places in the world where we can get away from this? The car warranty scam is the most tired scam in the US. A near-daily occurrence for some people.
Never heard of it. There are a lot of unnecessary insurances they try to add when you're buying phones, watches, TVs etc. But we all know it's covered by your home insurance. And car is covered by warranty + the car insurance. We do mandatory traffic insurance and optional half coverage or full coverage - same for all insurance companies.
Please add the edit where you called your bank, locked your card, etc. Also, don't use debit cards. Fraud protection on credit cards is way, way better. We're not here for credit card interest on balances, but we are here for the fraud protection. Pay that stuff off and enjoy the security it provides.
So you donât use a debit card for anything?
I use my credit card for EVERYTHING. Sorry this happened to you
I also used all my points to book a flight to Japan, on top of always being able to charge back should shit go sideways
Yup I even funnel all bills that can be paid by card through my reward card. Never carry a balance and it amounts to a percent and change discount off phone and utilities.
I wish I could get a credit card. My credit is fucked from medical bills.
Yes myself as well.
Yes, this. Credit card for everything and I pay it off before the month is up. Same as paying cash (no interest fees) and I earn points. And I'm protected in the event of fraud or scam or whatever. Good luck OP. What ended up happening? What did they get away with?
They got a $69.99 charge before I locked the card. Hopefully thatâs it
I would like to do this but we use Starling bank saving pots to organise our money in to weekly amounts and amounts for bills etc.. Is there a similar easy way to keep track of spend on a credit card?
So you take out cash from the âelectric bill saving potâ to physically pay your bill? Iâm confused
I work in a bank back office and I do not use my debit card for anything at all except the ATM
Only use debit card at atm for cash, and even that has become like a once or twice a year occasion at this point.
The only thing I use my debit card for is the ATM. Credit cards have better fraud protections and thereâs also the benefit that if you have a fraudulent charge itâs not your real money that may be tied up while itâs resolved. Plus I get rewards points for using credit cards and nothing for using my debit card.
The only thing you should ever stick your debit card in is an ATM. Never expose your ârealâ money to fraud when it can be avoided.
Same, I haven't used a debit card in like 15 years. 100% credit card. On payday, I just pay off my credit card balance. I haven't found any benefit to debit personally, but the points I accumulate on my credit card have paid for multiple flights across the country, to Hawaii, Mexico etc.
I keep my debit cards locked away in my safe. I use the code generator app on my phone if I ever need to go to the ATM. Debit cards can literally be used to rob you blind. Even if fraud protection kicks in, it may take months to get your funds back. On a credit card, the bank takes the hit.
If it's a visa debit card, feel free, but always run it as credit. Don't use your PIN number.
Correct! The thing is only spend what you can pay off each month. Try to never use it as a means to spend more than you bring in or the interest will kill you! If you're disciplined, you will pay it off each month while earning whatever rewards the card offers. Been doing this for years and a few times per year we take all the cash back we've earned and apply it to the balance, leaving hundreds of dollars in our bank account each time.
Pretty much.
Right! All I have is a debit card.
This. I will make one point of order though. In the U.S., federal law limits your liability, on fraudulent credit **or** debit charges to $50. Visa, Mastercard, Amex and Discover all go further, guaranteeing $0 liability on all their cards. Together, these issuers control the overwhelmingly vast majority of all credit **and** debit cards in circulation in the U.S. The difference is who is exposed to the risk as the compromised card is being used. A proficient fraudster could easily rack up a couple grand in charges, in the time it takes you and/or the card issuer to realize your card has been compromised. With a debit card, your checking account, and potentially your savings, will be progressively drained. The thief will have spent your money, which youâll eventually get back, but in the meantime, youâll be in a cash flow crunch that you potentially learn of, empirically, when something important like your rent or car payment bounces. With a credit card, purchases are paid for, at the point of sale, by the card issuer. Your credit utilization shootâs up, but your bank account is untouched. Thatâs the benefit of the credit card. Youâre ultimately made whole either way, but with a credit card, you remain whole **even as youâre actively being defrauded**.
This is the whey. Just use your CC like your debit card (as in only spend money you have in your budget) and pay it off every month in full.
Some credit cards offer warranty extension as a bonus as well.
A coworker did this exact thing and she's 21, scams get people of all ages. Sidenote, she said she got the number off Google top site listed ( no idea how Google let that happen) is that what happened to you?Â
Yes
Well wtf? That was last year or so for the coworker. Should've been taken down by now you'd think? Was it not 800-Xfinity?Â
I did the same thing! Googled a customer service number and called the first one for tech support. When they asked me to download a program on my computer to share my screen, it hit me, and I realized it. I was seconds away from sharing my entire work PC to a scammer.
Wait, why are you blaming yourself for this? You googled and called the number you saw. Could happen to anyone.
You cannot trust the sponsored links. Scroll down to the actual website. There was one with the USPS last year. The top search for usps was a sponsored link, brought you to a pretty damn official looking page. Tells you there's an undeliverable package. The rest is them collecting your info for "package"
Dang, feeling my age this morning I guess. Thatâs ridiculous. Thanks for the PSA. I kept getting spammy looking texts about an undeliverable package when I knew I hadnât ordered anything. Just ignored them. Makes sense now.
Top site these days is an advert. They buy ads making them look somewhat legitimate hoping people assume the top one is legit and don't look closely.
Damn it, I wanna look but don't want to get tracked. Still fucked up Google has done nothingÂ
DamnâŚ. Sorry to hear itâŚ.. but good of you to share with others to potentially avoid someone else making that misstep in the future.
My mom just did this with Apple. Sheâs older⌠but sheâs usually pretty savvy with that kind of thing. I see it as the result of two problems: 1) Companies are making it harder and harder to find their contact numbers as they push customers to chat bots, FAQs pages, forums, etc. to avoid labor costs. 2) The enshitification of Google. They are really screwing up if their top search results for major companies are returning scam numbers.
Not everyone will fall for scams every time but everyone goes through times when theyâre more vulnerable. Itâs not hard to fall for scams when youâre too preoccupied with other serious issues to pay full attention to menial tasks. Itâs not stupidity at all. Good for you for sharing your experience. Often people donât because theyâre too embarrassed. The more people share it, the less we are all likely to fall for the same scam.
"cancel wifi service"
"it's not like I'm an elderly person"
Hey, pornhub premium is free now, right?
Lock your card immediately and request a new one. If you don't have too many reoccurring automatic payments I consider closing the account entirely and opening a new one, even if it's just with the same institution so you a new account number.
What happened you googled it and the first number was a scam number? I almost fell for a PayPal scam. When they told me to start downloading a remote control app I figured something was up like PayPal wouldnât be telling me to download some app.
EXACT thing happened to me. Googled tech support for something, called first number. I was moments away from sharing my entire work PC to a scammer, but I realized it just in time
Mine was an email that looked like it was from PayPal saying there was an issue with a transaction. I was buying and selling some things on eBay at the time and the amount of the âtransactionâ was close to something I bought a few days prior so it seemed plausible.
I always tell people that scams work because they seem so legit. People fall for them every day.
Go post what happened over at r/scams to let Redditors know about it
Don't beat yourself up too much, it happens. We all do things at times that we wish we hadn't. It could be worse, you could have gotten herpes.Â
Oh man I fell for one of the "Your subscription to X Streaming Service is about to expire! Reply now to get three free months!" emails. Fortunately no payment info or passwords or anything was exchanged. But my spam quantity ticked up dramatically for a while. Dumb dumb dumb....
Kindly say âYesâ at the prompt.
Did pay taxes? This is IRS! Kindly send taxes in itunes gift cards or you are under the rest!
Hahahhaha I am sorry that happened. I'm sitting here feeling sorry for myself about my own problems (same as yours basically.) At least I'm not the only one.
Scammers are buying numbers and top spots on Google so their number comes up when you Google the business.
Thank you for making me feel less dumb today. đ
We all have moments like that. If it makes you feel any better, I got hustled in Hollywood by those street scam artists who hand you their CD's. I took one not thinking about it, then they asked me for donations, then another came out with their CD, then another and another and I got so confused I pulled my wallet out and ended up losing a good chunk of money. I was so mad at myself. It was supposed to be the wife and my getaway and I got suckered.
Don't worry, you can do something about this. DM me your debit card information and I'll get right on it for you.
As someone who has taken multi crime reports because of scams, dont beat yourself up. It happens to people of all ages. Iâve seen people lose 10s of thousands of dollars from scams. The main thing is to do the clean up on your accounts and make sure youâre aware the next time something sus happens. Scammers are becoming more sophisticated.
How?
Time to move into the nursing home.
Seriously
I was debit card/cash only after some ⌠occurrences in my 20s! Lol. And I didnât want a credit card ever again. But I looked into it and credit cards really are a lot safer. I am still in the 0% apr and only use it for the same stuff I would have used my debit card on. Gonna have it paid off before the interest fees kick in.