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How I learned that my credit card number was stolen

Sept. 17, 2019
5 min read
How I learned that my credit card number was stolen
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Data breaches, identity theft and other forms of fraud are rampant these days. I've been fortunate to avoid any potential issues along these lines — until today, that is. My Chase Freedom Unlimited account number somehow fell in the wrong person's hands. And here's how Chase let me know about it.

At 10:33 a.m. on Tuesday morning, I received this email from Chase:

"We've sent an important communication to your Secure Message Center, available on Chase Online or on the Chase Mobile app.
The subject is: URGENT: Action needed to confirm activity on your Chase Freedom Unlimited account."

Not one to ignore an alert from a verified source with "URGENT" in all caps, I immediately logged into my account and accessed my secured messages. This is what awaited me:

I immediately called the number on the back of my card and was prompted to enter the last four digits of my account. After a few recorded messages, I was connected with an agent who quickly pulled up my account. I let her know about the message I had received and that the call was most definitely not from me, nor had I authorized anyone to call on my behalf. In an abundance of caution, I asked for the card to be cancelled and a new one sent.

She verified several pieces of information to ensure that it was (in fact) me this time, and then let me know that a replacement card would be sent via UPS to my home address with overnight shipping at no charge. She asked me if there was anything else she could help me with and then thanked me for my loyalty to Chase.

Total call time: 3 minutes, 56 seconds.

Just 32 minutes after the fraudster called Chase, my (apparently stolen) card number was cancelled, all because Chase's system flagged an unknown phone number from someone that was in possession of my 16-digit account number.

The Freedom Unlimited is my go-to card for everyday spending and a key part of what I consider to be the perfect quartet of Chase cards. While it's a bit inconvenient to need to update that card with the various providers that have it on file, it's a small price to pay to prevent unauthorized use of my account.

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How to protect your credit card accounts

Here are things you can do to protect your accounts, many of which may have saved me this time:

1. Enable two-factor authentication wherever possible

For any online account — be it a bank, credit card or merchant — you should always take advantage of two-factor authentication. This prevents someone from accessing your account with just your password, instead requiring an added authorization via a text message, phone call, email or third-party verification app. Chase, for one, sends a temporary verification code whenever I try to log in to my account from a browser it doesn't recognize.

The extra step may seem like a hassle, but it's far better than having your account compromised.

2. Update your email address and phone number(s)

Setting up two-factor authentication may only work if you have the right email address and phone number(s) on your account, so you want to make sure those are accurate. This has the added ability of getting quick notification of possible fraud, like I did this morning.

Speaking of fraud alerts ...

3. Ensure alerts are sent where you want

Many companies allow you to specify where you want to receive notification of potential fraud. For example, American Express has an Account Alerts section of your online profile that allows you to specify the kind of alerts you get and where you get them — including the ability to customize the threshold of a "large" purchase.

An email alert isn't of much use if you're traveling abroad and have turned your data off while roaming, but a text message may reach you.

4. Regularly monitor your accounts

Many TPG readers probably don't have the 20+ credit cards to monitor that I do, but even if you only have one or two, get in the habit of logging in at least a couple of times a week to note if there are any pending (or posted) charges you don't recognize. Fraudsters may start small, spending $5 here and $10 there, hoping you'll overlook them before making a massive purchase. Even though most credit cards offer fraud protection coverage, it's better to identify possible problems sooner rather than later.

Bottom line

I have to commend Chase for identifying this potential vulnerability on my account, not only for the speed in which it was done, but how it was done. It's the first time I've heard of an issuer flagging an unauthorized phone number that had my full card number, and I'm hopeful that my quick action has squashed any chance that Mr. or Ms. XXX-XXX-1835 could use my card. While there's no foolproof way to prevent fraud entirely, you can at least reduce your risk of it by taking a few simple steps to add additional layers of security to your accounts.

Featured image by Getty Images/iStockphoto
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
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  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
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Cons

  • Steep $550 annual fee
  • May not make sense for people that don't travel frequently
  • You must spend the $300 travel credit before earning 3x points for travel and dining
  • No automatic hotel elite status
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,200 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Best premium travel card for value
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10xEarn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5xEarn 5x total points on flights through Chase Ultimate Rewards®.
3xEarn 3x points on other travel and dining.
1xEarn 1 point per $1 spent on all other purchases
  • Intro Offer
    Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®

    80,000 bonus points
  • Annual Fee

    $550
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    740-850
    Excellent

Why We Chose It

If you are looking to take your premium rewards to the highest level, this card is really a no brainer in our eyes. Chase's Ultimate Rewards make points easy to redeem, with a wide range of 10 airline and three hotel transfer partners and a friendly user interface. Despite the high annual fee, Chase is consistently adding new benefits to keep the card competitive in a fierce premium rewards field.

Pros

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • Unlimited 3x points on the broad category of travel and dining
  • 50% more value when you redeem your points for travel through Chase Ultimate Rewards®
  • Broad definitions for travel and dining bonus categories

Cons

  • Steep $550 annual fee
  • May not make sense for people that don't travel frequently
  • You must spend the $300 travel credit before earning 3x points for travel and dining
  • No automatic hotel elite status
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,200 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more