How JustAnswer Works:

  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.

Ask Joan Your Own Question

Joan
Joan, Internet Researcher
Category: General
Satisfied Customers: 15257
Experience:  I believe that knowledge is Power! I would like to try to share my knowledge with others.
Type Your Question Here...
Joan is online now
A new question is answered every 9 seconds

do credit card frauds need credit cards to defraud people?

Customer Question

do credit card frauds need credit cards to defraud people?
Submitted: 2 years ago.
Category: General
Expert:  Joan replied 2 years ago.

Hello,

If someone can get a hold of your Credit Card number, they can use the number online and assume your identy. Credit cared fraud is a form of idenity theft.

 

This link goes over credit card fraud and how it is used against you: http://money.howstuffworks.com/identity-theft1.htm

 

Always make sure if you use your credit card, ATM, at a gas station, or restaurant to get your receipt.

 

There is actually a new scam that eletronic card readers are being used and the scammer can get close enough where they can get the info right off your card sitting in your wallet. There is a company that has come out with a metal wallet to try and prevent this from happening.

 

You also need to be sure if you get a credit card offer in the mail to shred it as those can be used against you. Joan

Joan, Internet Researcher
Category: General
Satisfied Customers: 15257
Experience: I believe that knowledge is Power! I would like to try to share my knowledge with others.
Joan and 131 other General Specialists are ready to help you
Customer: replied 2 years ago.
how do credit card frauds get money after they use the card to make a purchase. how to they avoid being caught by the police--cant police trace blocked phone numbers?
Expert:  Joan replied 2 years ago.

Hello,

The thieves use the card and most people do not check their statements for charges immediately, so it takes a while before the error is caught. This slows the authorities from catching the crooks. The thieves can also use the credit card number to buy items and then return the items to get cash. If the thieves take over your identity, they can apply for other cards and get cash advances. If they can get your number they can be very creative in using it to their advantage. Joan

Customer: replied 2 years ago.
i heard that if you pay by credit, your refund is by credit only. is this a grey area for retailers or do different retailers have different policies about this?
Expert:  Joan replied 2 years ago.

Hello,

Some retailers will refund cash or a store credit with a Drivers License. Each store is different. Walmart will give a store credit, Target will either give cash or store Credit and Kohls is the same way. It varies from store to store. Joan

Joan, Internet Researcher
Category: General
Satisfied Customers: 15257
Experience: I believe that knowledge is Power! I would like to try to share my knowledge with others.
Joan and 131 other General Specialists are ready to help you
Customer: replied 2 years ago.
well obviously store credit is no good to them, so at Walmart the fraud is out of luck and at Target it is a toss up for them, right?
Expert:  Joan replied 2 years ago.

Hello,

You are correct. Many of the stores are cracking down on returns now because of fraud.

 

The way they can get around the system is to buy high ticket items and sell them at flea markets, in the newspaper or a place like Craigs list. The items are sold in box or out of box and all cash deals. They use the credit cards, but the items that can be easily sold and unload them for the cash. Joan

Joan, Internet Researcher
Category: General
Satisfied Customers: 15257
Experience: I believe that knowledge is Power! I would like to try to share my knowledge with others.
Joan and 131 other General Specialists are ready to help you

JustAnswer in the News:

 
 
 
Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.
 
 
 

What Customers are Saying:

 
 
 
  • Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help. Mary C. Freshfield, Liverpool, UK
< Last | Next >
  • Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help. Mary C. Freshfield, Liverpool, UK
  • This expert is wonderful. They truly know what they are talking about, and they actually care about you. They really helped put my nerves at ease. Thank you so much!!!! Alex Los Angeles, CA
  • Thank you for all your help. It is nice to know that this service is here for people like myself, who need answers fast and are not sure who to consult. GP Hesperia, CA
  • I couldn't be more satisfied! This is the site I will always come to when I need a second opinion. Justin Kernersville, NC
  • Just let me say that this encounter has been entirely professional and most helpful. I liked that I could ask additional questions and get answered in a very short turn around. Esther Woodstock, NY
  • Thank you so much for taking your time and knowledge to support my concerns. Not only did you answer my questions, you even took it a step further with replying with more pertinent information I needed to know. Robin Elkton, Maryland
  • He answered my question promptly and gave me accurate, detailed information. If all of your experts are half as good, you have a great thing going here. Diane Dallas, TX
 
 
 

Meet The Experts:

 
 
 
  • Ron

    ASE Certified Technician

    Satisfied Customers:

    21167
    23 years with Ford specializing in drivability and electrical and AC. Ford certs and ASE Certs
< Last | Next >
  • http://ww2.justanswer.com/uploads/FO/fordguy4u/2011-12-17_222940_HPIM1257.64x64.JPG Ron's Avatar

    Ron

    ASE Certified Technician

    Satisfied Customers:

    21167
    23 years with Ford specializing in drivability and electrical and AC. Ford certs and ASE Certs
  • http://ww2.justanswer.com/uploads/lyeung1/2010-07-25_032152_tn_IMG_0241.JPG Dr. Y.'s Avatar

    Dr. Y.

    Urologist

    Satisfied Customers:

    18385
    I am fellowship trained specializing in general urology and reconstructive urology.
  • http://ww2.justanswer.com/uploads/docjohn174/2008-12-13_170143_johnask.jpg John's Avatar

    John

    Home Appliance Technician

    Satisfied Customers:

    13453
    Appliance repair business owner for over 43 years.
  • http://ww2.justanswer.com/uploads/MU/multistatelaw/2011-11-27_173951_Tinaglamourshotworkglow102011.64x64.jpg Tina's Avatar

    Tina

    Lawyer

    Satisfied Customers:

    8484
    JD, BBA Over 25 years legal and business experience.
  • http://ww2.justanswer.com/uploads/dermdoc19/2010-09-30_160749_Photo_122807_015.JPG dermdoc19's Avatar

    dermdoc19

    Dermatologist

    Satisfied Customers:

    3846
    30 years practice in general and cosmetic dermatology
  • http://ww2.justanswer.com/uploads/BI/birddoctor/2012-6-22_173214_birddoctor.64x64.png Dr. Pat's Avatar

    Dr. Pat

    Bird Veterinarian

    Satisfied Customers:

    3384
    25+ years working primarily or exclusively with birds
  • http://ww2.justanswer.com/uploads/RY/rydergar/2012-6-6_192240_IMG0328.64x64.JPG Dr. Gary's Avatar

    Dr. Gary

    Cat Veterinarian

    Satisfied Customers:

    3296
    DVM, Emergency Veterinarian, BS (Physiology)