Someone used my credit card illegally online. Can I track them?

Credit Card


It is hard to know whether or not you can catch the man who used your credit card online before you find out whether or not you were a victim of fraud but before you realize whether or not you can trace down the person who used your credit card.

Although technologies like OPT code and many others have been presented to the financial institutions in an effort to help prevent the use of stolen credit cards, there is no doubt that cybercriminals and con artists are also looking to upgrade and find ways to circumvent these technologies and use other people’s credit cards.

However, there is still a chance that you can stop this from occurring, or if it has already happened to you, there is still a chance that you can hunt down the hackers and either get your money back or have them imprisoned.

There are a lot of factors to think about when you’re attempting to hunt down credit card hackers, and the action that you should take is going to depend on your unique circumstances.

This article will walk you through what steps you should take if you discover somebody else has used your credit card online, as well as how to determine whether or not the transaction was allowed so that you can choose how to move from this point forth.

What exactly is meant by “credit card fraud“?

Fraudulent use of a credit card occurs when another person obtains your personal information, such as your debit card number, and uses it without your permission.

Even while there are certain cases of unauthorized users that do not qualify as identity theft, the majority of them do. By taking these preventative measures, you may protect yourself from becoming a victim of credit card theft. Credit card fraud can take a variety of different forms.

What to do in the event that someone steals your credit card

Review your credit card accounts as well as update your passwords
Your best option is to be cautious. After you contact your credit card provider, check all your other credit card accounts to determine if they have been hijacked as well. It’s vital to remember that even if just one card has strange purchases, you don’t know how the fraudster obtained the information. So, just to be cautious, update all of your credentials and PINs. Contact the credit bureaus and, if necessary, the police.

Filing a police complaint is particularly important if you notice a pattern of fraudulent transactions within days of the first indicators of suspicious behavior. Credit card fraud might occur all at once, or it can occur over a period of days or weeks.

If you discover that several credit cards or bank accounts are being used outside your awareness, notify the main credit bureaus and obtain a credit freeze. This may assist prevent fraudsters from causing more harm, such as introducing a strong credit card.

After that, contact the police and make a complaint. If you discover a tendency of credit card fraud, then the police may utilize your data to launch an inquiry.

Remember that serious identity theft may lead to more than just credit card fraud. For example, if your wallet is stolen, the thief may use your credit, insurance, and identity cards to create a service and credit checking account.

The Major Federal Commission should also be notified about identity theft. It may help you create a “recovery plan” to avoid future loss and to resolve issues with the authorities and credit bureaus if needed.

Keep an eye on your transactions and credit reports.

After you see the initial indicators of credit card fraud, you should keep an eye on your credit card bills for a few months. If any additional details, such as login credentials, were obtained, fraudulent purchases may continue to show on your card bills months after your card info was taken.

Credit Karma may also assist you in keeping track of your credit reports. You may join up for free and obtain access to credit card reports from TransUnion and Equifax, two of the main credit agencies. Your reports may be refreshed as frequently as once per week, and you can access them at any time for free. Credit Karma provides free credit monitoring as well as VantageScore 3.0 credit ratings and statements from two out of the three main credit agencies.

“Consumers should become considerably more involved with the transactions that occur on their credit cards,” Ulzheimer argues. “Many card issuers provide free SMS notifications whenever your card is used.”

Go through your internet buying accounts.

It is becoming pretty typical for online shopping businesses to allow you to keep your credit card details for future transactions. Even if your credit card issuer has a “zero liability policy,” it is critical to ensure that your internet shopping accounts have not been hijacked.

If your internet shopping account is no longer safe, remove the compromised card (together with any other stored cards) and reset the passwords.

There are some things you should do if you are worried that someone has gained unauthorized access to your credit card information.

First things first, examine your credit card report and accounts to determine if there has been any activity that shouldn’t be there (check both with your bank and through a free credit monitoring service).

In such a case, it should be flagged for follow-up with either the customer support department or criminal enforcement. After that, keep a close eye on your account over the next several months to make sure that none of the missing money is being used.

You may check for illegal transactions in a handful of additional ways in addition to reviewing your monthly statements, which is the most obvious way to do so.

Setting up email or text message notifications to keep an eye on your credit card account is one choice you have. If there are any payments on your credit card account that you really do not recognize, you will get a notification about it.

You also have the option of visiting the website of your bank to set up transaction notifications for yourself.

The most popular means for banks to notify customers of pending transactions are either via the use of their mobile applications or through the transmission of email messages that make use of pre-designed template messages.

Learn how to locate a missing credit card here.

To locate your lost or stolen card, please follow the steps outlined below.

  • Get in touch with your financial institution as soon as possible if you believe your credit card has been misused or if it has been lost or stolen.
  • During the time when fraud prevention professionals are looking into a stolen card, it is conceivable that the card might be canceled.
  • If your information has been stolen and is being used inappropriately, you should immediately secure your accounts and take other preventative measures to ensure no more harm is caused.
  • This involves gathering data such as the IP Address of the Location In which the Payment Took Place, Geological Data, the Time of the Transactions, Account Activity, and Every Other Possible Piece of Evidence That Your Bank May Have to Track the Card.
  • Allow your bank considerable time to investigate the transaction before proceeding.
  • In the event that the bank is unable to assist you, you are required to contact the appropriate authorities.
Read Also Here: Gadget

How can I safeguard my credit card from being used fraudulently online?

It is essential to maintain the highest level of security for the information associated with your credit card. When it comes to paying for products at shops, purchasing petrol, and even renting a hotel room, your credit cards were the right path to take.

Due to the significant influence that these cards have on you and your financial situation, it is critical that you protect them from any attempts at identity theft or fraud.

First and foremost, you have to take measures to protect yourself against fraudulent transactions by ensuring that no one other than yourself is aware of your account number.

It is essential that you take precautions against fraud in order to prevent illegal usage of your credit cards.

There are many different methods available to protect oneself against identity fraud and other forms of credit fraud; nonetheless, there are two essential actions that one should do in order to keep secure.

  • The first step is to ensure that each of your credit cards has its own individual account number. This helps since it makes it harder for other people to access the information that you have kept private.
  • The second step is to set up a fraud alert for any accounts you have. If you have a fraud warning on your credit report, you won’t be able to be accepted for just any new credit cards until you can establish that the person applying for the card is indeed you. There are a few different names for fraud warnings, including security freezes and notifications from consumer reporting agencies (CRA).

Alternately, you may safeguard your credit card from fraudulent transactions by using any one of the ways that are detailed below.

  1. Checking for Viruses
  2. Conducting Business Through Protected Websites,
  3. Use a 3-D Protected System,
  4. Register with your fingerprint,
  5. Secure your credit card number and PIN, and lock your card.
  6. Verify the Information on Your Monthly Statement, and Always Keep Your Card Safe


It is essential to make the appropriate report as quickly as you can if you want to have any chance of readily discovering who has been making unauthorized charges to your credit card.

For instance, if you have just acquired a new smartphone and it utilizes a mobile carrier like T-Mobile or AT&T, you will want to contact that mobile carrier and inquire as to whether or not they have a service that safeguards against fraudulent purchases.

In the event that this is not the case, there are a number of alternative businesses that focus on providing protection for transactions made using stolen credit cards (MasterCard itself has the best fraud-protection service called MasterCard SecureCode).

It is usually a good idea to sign up for these services as soon as possible so that you won’t have to worry about other people spending money on anything that you haven’t given them permission to do.


Leave a Comment

Your email address will not be published. Required fields are marked *