Life My credit score

**DaneMcCloud** · 06-10-2009, 10:05 PM

Quote:

Originally Posted by mmaddog

When you pay for a meal at a restaurant, do you protest when the waiter or waitress get your card and then disappear somewhere that you can't see ?

Most people don't know that each card issuer (Visa, MC, AE, etc) has a distinctive set of identify numbers for their cards.

mmaddog
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Are you referring to the 3 or 4 digit codes on the front or back? If so, I'm very familiar with those numbers. I have all of my CC numbers memorized, as well as the security codes.

I do tens of thousands of dollars via the internet each year and both fraud cases involved out of state cases.

Generally, waiters and waitresses are fairly quick but I'll keep that in mind in the future.

Thanks!

Mosbonian · 06-10-2009, 10:14 PM

Quote:

Originally Posted by DaneMcCloud

Are you referring to the 3 or 4 digit codes on the front or back? If so, I'm very familiar with those numbers. I have all of my CC numbers memorized, as well as the security codes.

I do tens of thousands of dollars via the internet each year and both fraud cases involved out of state cases.

Generally, waiters and waitresses are fairly quick but I'll keep that in mind in the future.

Thanks!

Nope..I'm talking about the first four digits of your credit card...each one has a distinctive numbering sequence indigenous to their brand. If you have both a Visa and a MC look at the starting numbers and you can see what I am talking about.

Most people never stop to think about the type of card that they have...and how it targets them for fraud. Let's say you have a American Express Plum card.....that one tells everyone your special.

I keep one generic card with a very small Credit Limit that I use at restaurants, shopping malls, and online. That way if the numbers get stolen, there is very little they can get from me.

mmaddog
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**DaneMcCloud** · 06-10-2009, 10:16 PM

Quote:

Originally Posted by mmaddog

Nope..I'm talking about the first four digits of your credit card...each one has a distinctive numbering sequence indigenous to their brand. If you have both a Visa and a MC look at the starting numbers and you can see what I am talking about.

Most people never stop to think about the type of card that they have...and how it targets them for fraud. Let's say you have a American Express Plum card.....that one tells everyone your special.

I keep one generic card with a very small Credit Limit that I use at restaurants, shopping malls, and online. That way if the numbers get stolen, there is very little they can get from me.

mmaddog
*******

Interesting.

All I use is my American Express "Plum" card (I always thought it was red. Maybe my wife IS right and I'm color blind).

Mosbonian · 06-10-2009, 10:23 PM

Quote:

Originally Posted by DaneMcCloud

Interesting.

All I use is my American Express "Plum" card (I always thought it was red. Maybe my wife IS right and I'm color blind).

As a Plum card holder, you get special protection. But it still denotes that you might have a very large Credit Limit which makes you a target. You're a little more protective than most people...I bet not 70% of the people on here truly check their CC statement every month.

BTW....your waiter/waitress is probably more trustworthy than I intimated, especially if you are a frequent customer. The one that you need to be cognizant of is the "short termer"....all they need is a pencil and a piece of paper and your card number is theirs. (and it won't be because they wrote down your card number...)

mmaddog
*******

**DaneMcCloud** · 06-10-2009, 10:26 PM

Quote:

Originally Posted by mmaddog

As a Plum card holder, you get special protection. But it still denotes that you might have a very large Credit Limit which makes you a target. You're a little more protective than most people...I bet not 70% of the people on here truly check their CC statement every month.

BTW....your waiter/waitress is probably more trustworthy than I intimated, especially if you are a frequent customer. The one that you need to be cognizant of is the "short termer"....all they need is a pencil and a piece of paper and your card number is theirs. (and it won't be because they wrote down your card number...)

mmaddog
*******

You are absolutely right and thank you for the info. I've never experienced a problem in California with fraud (or any company based in CA) but I'll definitely be aware if any place unfamiliar keeps my card for an inordinate amount of time.

Thanks again!

PS - What's with the Black Visa? I told I qualified and get all kinds of "special" treatment but in your professional opinion, is it worth my time (there is a fee) or is it just nonsense? Thanks again!.

Mosbonian · 06-10-2009, 10:39 PM

Quote:

Originally Posted by DaneMcCloud

You are absolutely right and thank you for the info. I've never experienced a problem in California with fraud (or any company based in CA) but I'll definitely be aware if any place unfamiliar keeps my card for an inordinate amount of time.

Thanks again!

PS - What's with the Black Visa? I told I qualified and get all kinds of "special" treatment but in your professional opinion, is it worth my time (there is a fee) or is it just nonsense? Thanks again!.

That depends on whether or not you want to pay the $495 fee, and whether or not you truly need the "extra' perks. For my 2 cents it's just a revenue source for the Banks....by being a diligent card member you can get the same perks from American Express. And if you qualified for the Black Visa, you could probably take that info to American Express and get them to issue you a Centurion Card. (That way you can pretend to be James Bond)

mmaddog
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**DaneMcCloud** · 06-10-2009, 10:42 PM

Quote:

Originally Posted by mmaddog

That depends on whether or not you want to pay the $495 fee, and whether or not you truly need the "extra' perks. For my 2 cents it's just a revenue source for the Banks....by being a diligent card member you can get the same perks from American Express. And if you qualified for the Black Visa, you could probably take that info to American Express and get them to issue you a Centurion Card. (That way you can pretend to be James Bond)

mmaddog
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Again, thanks for the info.

Signed,

Dane "James Bond" McCloud

stlchiefs · 06-11-2009, 06:26 AM

Quote:

Originally Posted by DaneMcCloud

Interesting.

All I use is my American Express "Plum" card (I always thought it was red. Maybe my wife IS right and I'm color blind).

I figured you had a Black Card.