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Old 05-27-2009, 02:55 PM
 
Location: Utah
103 posts, read 284,058 times
Reputation: 123

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About an hour ago, I fell for a scam online and paid a couple bucks to receive some money making kit. I am embarrassed to admit this and I know a few of you will probably want to reprimand me for it. The catch is that the fine print said I will be charged monthly if I don't cancel in 7 days. I then proceeded to read several threads of people recounting their experiences with this product. They all ended up canceling their credit cards for the most part since canceling with the company is apparently extremely difficult. Now my question is can I just cancel my debit card (wells fargo) without it having been lost or stolen? I'd hate to lie and say that it has. Will the bank make it easy for me to just cancel it and reissue me a new card or will it be fairly difficult? Any advice would be greatly appreciated. Please don't tell me anything along the lines of "you deserved it" because I already know it was a stupid move. I'm just trying to fix it before I can't anymore. Thank you.

Last edited by 2goldens; 05-27-2009 at 04:06 PM.. Reason: Moved from Other Topics
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Old 05-27-2009, 03:00 PM
 
Location: Tulsa, OK
5,988 posts, read 10,686,130 times
Reputation: 36703
This might work better in business & banking but I think I can answer. I had a credit card that I thought had been compromised. I called the CS number on the card and canceled it. Then they overnighted a new card. They will ask you to verify recent charges and contact anyone who automatically bills that card. Good luck.
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Old 05-27-2009, 03:27 PM
 
Location: Midwest
7,877 posts, read 9,342,234 times
Reputation: 17686
Call your bank and explain the situation.

They should be able to tell what options you have.
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Old 05-27-2009, 04:11 PM
 
Location: home state of Myrtle Beach!
6,419 posts, read 20,309,431 times
Reputation: 3638
Just call the number on the back of your card and tell them you were scammed online and that your card was compromised. They won't hold it against you.
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Old 05-27-2009, 05:04 PM
 
13,685 posts, read 23,899,631 times
Reputation: 13986
Quote:
Originally Posted by myrc60 View Post
Just call the number on the back of your card and tell them you were scammed online and that your card was compromised. They won't hold it against you.
I agree, I also think it's "good house keeping" to do it once a year as well if you use your card to buy things online a lot.
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Old 05-27-2009, 05:20 PM
 
Location: NW San Antonio
2,960 posts, read 9,035,624 times
Reputation: 3246
call the company, cancel the subscription, do it by their parameters. If you cancel the credit card and get a new one, some of the sophisticated subscriptions can transcend changing numbers, they have your info, therefore they have your approval, card number is irrelavent. Cancel the subscription, then change the credit card number for a new one.
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Old 05-27-2009, 06:03 PM
 
Location: Georgia, on the Florida line, right above Tallahassee
10,474 posts, read 14,516,698 times
Reputation: 6378
Take your card and drop it in the garbage disposal. Flick it on "High speed/destroy mode."

Call your card company and tell them, "Well, it sort of dropped in the garbage disposal."
See? You haven't lied. It did sort of drop in the garbage disposal. You could also do a "Well, it fell in the fireplace.", or "Well, I was angry at my spending habits, and I had these scissors, and I went all Jason Vorhees on them."

Jason Voorhees - Wikipedia, the free encyclopedia

Incidently, a long time ago, my login was compromised for a game site that didn't have my entire card number, but they had part of it that showed on my login, plus my name, address and phone number. I cancelled my card by simply calling the card provider and telling them I got hacked.

You did get hacked. In a sense of the word.

Last edited by 70Ford; 05-27-2009 at 06:15 PM..
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Old 05-27-2009, 08:44 PM
 
20,194 posts, read 21,553,888 times
Reputation: 9234
A better thing to do is to close your bank account and open a new one... that way no charges will ever "find" you...
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Old 05-27-2009, 11:42 PM
 
Location: Some place very cold
5,500 posts, read 20,969,413 times
Reputation: 4253
Just tell them your card was lost.

It is good practice to do this once in a while anyhow.
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Old 05-27-2009, 11:44 PM
 
Location: southern california
61,306 posts, read 79,536,424 times
Reputation: 55458
cancel the card. dont beat yourself up some people have a real hard time with credit cards, consider counseling if it is biting you big time there are also great 12 step for the strong compulsive spender.
cards are deadly they destroy marriages.
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