 HI im 20 and i have probably have over 5000.00 in debt? |
and ive havent made any kind of payemt on these for 2 years if i was to pay all these off in one lump sum would i be able to get a credit card again
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Usher890 | Gave my credit card to a friend but got it back then became a victim of fraud whatare thechancesit wasmyfriend |
My friend (someone who i was pretty sure i trusted) needed cash to get something.. not thinking about it i offered my credit card. He used it for a minute then came back out andgave it to me. When we got back to his car, he immediately offered me the cash for the money he borrowed. 2 Days later I received a phone call from my bank regarding unusual activity within my account- only to find $700 had been charged to my card in various places within 2 days. (The charges happened after the day i lent him my credit card) I cancelled my account (i am not liable for the charges) and then found out that the person charging these things used a counterfeit credit card. I really do not think my friend is capable of this-- but what are the chances he did it? And what are the chances he didn't? How should I act towards him now? |
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Tom Thumb
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Drop him like a hot potato. Think about it why would he want to use your credit card and he had cash in his pocket. I bet the store that he used it in was one he chose. |
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Kurt B
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My guess is 100% chance it was your "friend". Why else would he offer to give you the money back that he just borrowed? Did he no longer need it after he borrowed it?
How to act towards him? Simple: you can remain his friend if you enjoy his company, just don't involve money in the relationship...in any way. Don't discuss it, don't borrow or lend it, don't leave your wallet/purse around where he can access it. Basically, when it comes to YOUR money, assume he is a thief trying to get as much of your money as he can. If you bring up the subject of the credit card, he will likely say "no big deal you didn't have to pay for anything!" Does that condone his poor treatment of you? I think not.
Count your blessings that your bank caught this and you were not liable for the charges. And be wary around your friend.
Good luck! |
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sophieb
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I suspect he copied down your credit card number and then either used it later or someone found it among his things and used it...but there seems to be a connection.
I suggest you call your bank and tell them what transpired. They may or may not tell you about who did what, but at least you will clear your friend for the amount you allowed and received back in cash. If your friend went overboard then at least it's not over a thousand dollars which would be a felony. But they still might get time for it. If the bank asks for you to prosecute you're going to have to bite the bullet and approve that you do wish to prosecute whomever did the deed.
At that point request a different card number and pin. The bank will take care of the rest. They probably will never tell you who the culprit was. I guess you learned a hard lesson. But I'm curious though. When you give your credit card to someone don't they have to sign your name? Signing someone elses name is illegal too. |
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Greg P
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It's possible he did it, it's possible he didn't do it.
Ask the CC company if the charges were punch or swipe. If they were swipe, it means someone has a credit card reader which suggests either your friend sold the numbers or was careless with a receipt. |
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LI_ NY
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Unless he has the software to make a new plastic credit card, it wasn't him. But I am sure what he bought with your card was something shady or from a shady person. They then cloned your card and made a new one. Ask your friend where he purchased from and tell your credit card company. |
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sunshine_today
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He could have sold the imprint to someone else or maybe he was careless with a receipt and someone picked it up with all your numbers on it. |
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sexytrojan
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Usher,
That was a coincidence.
It takes at least 3 days for the charges to appear on your card.
Also, from what I understand with fraud cards, your info from the magnetic strip is copied, usually at a gas station or a shady location.
Something similar happened to me, but I didn't loan anyone my card. |
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newyorkgal71
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Never let anyone, use your credit card. If they need money, give them cash. |
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OC1999
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Well the question is where did your friend go when he had the card? But him giving you money back right away is a sign that he might be at least involved. Did the original charge he "needed to make" ever show up.
You need to pursue this through your credit card company. As long as you report that you did not authorize or make the charges. They will go back to each store and if needed review the video tapes. If you suspect your friend they may ask for their description to compare the images. I don't think you should loan him any cards(just in case). I would also not mention it to your friend just yet. Just in case that he was involved |
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