Odd AIB letter saying that there has been suspected fraud on my credit card

Brendan Burgess

Brendan Burgess

Founder
Messages
58,564
I got this letter today

1791456134906.webp


I got a bit of a fright because I rarely use my credit card so don't check the balance. But I checked it and it was zero.

I rang the number on the back of my credit card just in case the letter was a scam.

The guy said that there had been transactions or attempted transactions, fraudulent or otherwise on my account.

They had not blocked my card - I had frozen it a long time ago as I don't use it.

So I unfroze it so that they will now send me out a new card.

When I get that, I will freeze it again.
 
Brendan Burgess said:
I got a bit of a fright because I rarely use my credit card so don't check the balance. But I checked it and it was zero.
Click to expand...
I keep my PTSB Visa Credit Card frozen via their app and only unfreeze it when I need to use it and freeze it again immediately afterwards. Of course, half the time when I go to use it I forget that it's frozen and wonder why the transaction failed. Not ideal when in a rush to buy tickets etc. :D
 
I didn't know of the facility to freeze a card.

Is the annual Government tax also frozen on a frozen card.

I keep an AIB Credit card but never use it. (I think I keep it as a "just in case" card) The only transactions on it in a couple of years has been the Government Tax.
 
It's very handy if you don't use it and want to hold onto it.

It's also handy if you do use but have lost it or suspect fraud.
 
gledswood said:
Is the annual Government tax also frozen on a frozen card.
Click to expand...
No.

Stamp duty on financial cards

Stamp duty is charged on credit cards and charge cards annually. A transaction fee is charged on ATM withdrawals.
www.citizensinformation.ie www.citizensinformation.ie

If the credit card account is closed and has never been used, no stamp duty is payable, provided that you close the account in the same period as it was opened. If you don't close the account in the period it was opened, you will be charged stamp duty on it even if it has never been used. If you have used your card and you close your account during the year, you will be charged stamp duty on closure.
Click to expand...
 
About 3 days ago my bank message system told me my mastercard was temporarily blocked because of a suspected fraud, and to contact them. Which I did, they said the previous evening at 11 pm an online attempt was made to use the card in another EU country, when I confirmed it could not be me they fully blocked/cancelled my card. They said I was pasrt of some online thing. Because I asked in order to try and figure out how my card got divulged. I have a lowish limit on it, which I can increase or decrease. Immediately the process began of issuing me a new card. I can see on my online banking the last four digits for it already. There is a facility for me to personally temporarily block my card. I get no long letters. Which seems very backwards to me. Nor do I have 9-5 or Mon-Fri restrictions.
 
Last edited:
My banking online late sent me a message to contact them about a suspected fraud saying they had temporarily blocked it and to contact them, which I did the following day. Burgess had to wait for a long letter to be posted to him, by snail mail, he was only allowed talk to them during office hours, which is restrictive.

I misspelt part as past, which I will now correct.
 
Bronte said:
About 3 days ago my bank message system told me my mastercard was temporarily blocked because of a suspected fraud, and to contact them. Which I did, they said the previous evening at 11 pm an online attempt was made to use the card in another EU country, when I confirmed it could not be me they fully blocked/cancelled my card.
Click to expand...
I had a very awkward call once after having difficulty paying for an order from a company called "Meundies" in the US, they called me up straight away, and the poor agent was mortified tried to read out the justification.
 
You must log in or register to reply here.
Back
Top