I got a new one today. I got an email from my “credit card company” saying there were suspicious charges to my account. They even displayed the last 4 digits of my card number and had a number to call. I called the number on the back of my card to ask them their policy. They never do this by email = it is a fraud. I thought I would reply to this email with the word FRAUD. I clicked Reply and when I did I got a warning message in hotmail saying I better know the sender because when you reply it includes all the blocked links and graphics that were in the original email. That is why when you get junk email the images are blocked out and you have to click Show Content because they can do malicious things even just by having you view the email. The warning message said that by replying and including the images it could open me up to getting more junk mail in the future and do some other things that didn’t sound too good. That is when I realized the trick. They don’t care if you call their number. They at least want you to reply to their email and by doing so open yourself up to more problems.
Just thought I would pass that on. Bottom line – If you don’t know who an email is from don’t view the content/pictures by clicking the View Content button and don’t reply.
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IF YOUR TIME IS IMPORTANT TO YOU, NEVER USE CAPITAL ONE CREDIT CARD. They are the worst in the industry! For the 4th or 5th time in a few months, they have put a hold on my credit card for no reason. It is so embarrasing! I am waiting in line to pay the cashier at a supermarket and the card gets declined. I know that there is plenty of money on the card, so I called the customer service number. Guess what? I am transferred to India, where I could barely understand the customer rep’s thick Indian accent. I had to repeat my card number several times, then she argues that the number I gave is not a legitimate number. I said, “What?!” I am reading the card that you, guys issued me and I have been using this same card for years. Then, she puts me on hold for several minutes. Upon her return, I remind her that I am still holding up the line at the supermarket and people are starting to glare at me like it’s my fault that my credit card is having problems. The service rep asks me to repeat the credit card number 2 more times, puts me on hold for 3 more minutes and then says that there is no hold on the card and for the cashier to try to run it again. For the 4th time, the store cashier runs the card and again, the computer screen says that the card is declined. I tell the service rep this, and she still insists that it is not on their end, but on the store’s end. The cashier runs the card 2 more times. Same thing. I ask the service rep to be transferred to a supervisor and she says in “an-i-don’t-give-a-crap” voice, “I can’t transfer you until I exhaust all the troubleshooting possibilities. What are the last 3 digits on the back of your card?” I give her the number and she says, “That is an invalid code”. Again, I shriek, ‘”What?! I am simply reading the back of my card and I have used this code and this card for years? What is going on?” She says (amused), “Hold the line…” Again, I was on hold for several minutes, then she comes back on the line and said, “I don’t see any problem on the card. Run the card again… Maybe this time it will work.” I ask the cashier (who at this time, is now glaring at ME), to run the card one last time. Guess what? Card is still declined and the phone goes dead! Unbelievable!