Credit Card Stolen and trying to be used!

Hey Ashtray

Hey guys, used my visa to start a tab at a local pub that I go to a lot. At the end of the night they no longer had my visa. So I went home and put a hold on it in case it turned up, a few days later I called the Visa company and told them it hadn't, that I'd need a new card. They said someone tried to use it three times at a local convenience store for about 17 dollars, but of course the hold made that impossible. So what I wondering is if there's anything I should do about this? Because really, I'm not out any money, and the only inconvenience is getting the new card and updating my automatic billing stuff. I can't see any kind of action leading to anywhere, and frankly the amount of time and effort it would take doesn't seem worth it as I haven't lost anything.

Basically I'm just asking if I've missed anything important or if I have an obligation to do something about this. Canada, by the way.

Thanks!

Dunadan019

report it with the police, go to the convenience store and see if they have a record of the person. the guy who has your crime did commit a crime and if you let it drop, he may try it again with someone who doesn't put a hold on it.

you aren't out money, but you have a chance to catch a thief. the effort is worth it.

Taximes

I'd also make sure to mention it to someone at the pub, because if they've had similar issues before, it could be one of their employees responsible.

And I'd be wary of leaving another card at the same pub, but that could just be me. :P

Casual

Nah there isn't a lot you can do really, you did the smart thing by putting the card on hold and its been cancelled now. You should keep a close eye on your finances for the next while though, if your card hasn't been taken by just a run of the mill idiot they may be able to get some information off it. Its pretty unlikely but worth looking out for.

MagicToaster

I used to work in a credit card fraud prevention department, this was our daily bread. Your card issuer will send you a new card with a new number, you update any billing information you had tied to the old number and thats that.

The time and effort required to catch the perpetrator is so misproportioned to the punishment he'd get for petty theft that it's honestly not worth it. What you should do is not leave your visa at the bar, it might happen again.

Szechuanosaurus

IIRC correctly, credit card fraud is technically considered a crime against the card issuer, not the holder, so if anything is going to be done it's going to be done by Visa.

edit: although I guess MagicToaster would know better.

Tomanta

It doesn't hurt to report it to law enforcement and the pub. Nothing may come of it, but it very well could be someone that has done this before or will do it again and your information may help them catch the perp.

I can't believe I just said 'perp'.