Is going back and looking up someone’s credit card history credit card fraud?

Question

Say if someone changes their card on file so they won’t get charged and you look old their old credit card history to charge them, is it credit card fraud?

Answer 1

AviatorTom | 996 opinions shared on Society & Politics topic.

Guru

Changing a credit card does not change a person's credit card history. In the US (which your profile says is where you live), a credit history at any of the big three credit companies is based on your social security number (SSN). It would be fraud to try to get credit with someone else's SSN... that's identity theft. All a change of credit card does to a person's credit history (and hence their credit score) is add another credit item, which generally lowers a person's credit score, at least temporarily.

Rereading your question... are you saying someone charged something on credit card A, then canceled it and opened credit card B? There's no fraud involved since they are still obligated to pay what credit card A charged.

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Answer 2

Mangospacho | 403 opinions shared on Society & Politics topic.

Yoda

It’s fraud on the part of the customer by using a card that’s no good. I think you can actually charge the original card if the new card is invalid. I would be careful, though. Check the merchant agreement you have with Visa/Mastercard, etc. If it’s not clear in the agreement, then call the credit card company and explain the situation. I’m sure this isn’t the first time this has happened.

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1 Person

Answer 3

molonski2 | 194 opinions shared on Society & Politics topic.

Yoda

If you were to use the number , certainly its fraud. If you just discarded it doesn't matter.

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Answer 4

msc545 | 4.6K opinions shared on Society & Politics topic.

Master

I don't think it's exactly fraud but it's probably more like theft. After all, they didn't authorize you to use anything but the active card on file. Also, the old card may be expired or inactivated. How in the world did this come up at all?

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Answer 5

Mark987

Explorer

No! well here in Quebec you're allowed. To make sure they can pay the rent.. and not be a bad renter

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Answer 6

NYCQuestions1976 | 1.4K opinions shared on Society & Politics topic.

Guru

It's definitely shady, but I'm not sure if it's outright illegal. Especially if the person has an outstanding balance on a bill. It might be dependent on the jurisdiction where the transaction in question took place.

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1 Person

Answer 7

Nik1hil | 879 opinions shared on Society & Politics topic.

Master

If we do it it's fraud.. If government does it.. Its alright..

It's like if we lie we go to jail.. If government lies its politics

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2 People

Answer 8

slatyb | 2.5K opinions shared on Society & Politics topic.

Master

If you incur unauthorized charges on a credit card, it’s theft by fraud.

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1 Person

Answer 9

SaoirseS | 571 opinions shared on Society & Politics topic.

Guru

If the charge is valid, then no. But it's a poor way to do business.

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1 Person

Answer 10

Anonymous

I don't understand this situation. If the person changes the card on file , how are they going to avoid getting charged? The payment will come out the new card.

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1 Person

SaoirseS

4 mo
I'm having a hard time understanding the context of the question as well.
kyleelyn199723

4 mo
The new card no longer holds payments. The reason being is because my boyfriend was trying to get out of a scandalous business deal and put a card that no longer has money on it so it wouldn’t be charged. The reason being is because my boyfriend knew the guy was going to try and charge him a monthly fee even though the he left the business deal even before the month being up. The scandalous business person then looked up my boyfriends old card credit card history and charged it
kyleelyn199723

4 mo
^ story explained
Show All Show Less
kyleelyn199723

4 mo
Even though he left before the month was up
Opinion Owner

4 mo
There is a lot of grey area here. If there was an auto-renewal / recurring payments agreement in place. Then the guy can charge the old card. Now, your boyfriend can also get into trouble for using a CC that has no money to avoid payment.

What your boyfriend needs to do is contact the guy and tell him to stop taking payments of the card ( email for evidence) and then he can contact his credit card bank to report any unauthorized payments if the guy continues to charge the card in the future.
SaoirseS

4 mo
The answer to the question is no, it's not credit card fraud. A vendor or provider may freely go back and charge any card it has record of if the card on file has past its expiration date, or has insufficient credit or funds to complete the transaction as long as the charge is valid. While the business deal may be shady or "scandalous," it may be perfectly legal (you don't provide any details so I'm guessing here). It would all depend on what agreement your boyfriend entered into and the terms and conditions. Best he can do is dispute the charge with the credit card issuer, which credits the money back to his card at least until it's resolved. That forces the vendor/provider to produce the necessary documentation to validate the charge, and if it's legit (even though shady) it doesn't fall in his favor. In any case, I'd cancel the credit cards used with the vendor and get new ones issued.
kyleelyn199723

4 mo
Oh I missed a detail here. He left this place at the end of December. (27th) it’s a month to month payment so he was charged December payment December 9th. He was no longer at the gym (January) when he (today) got charged January payment
SaoirseS

4 mo
Just dispute the charge with the merchant first and get a credit. If the gym doesn't want to do it, then dispute the charge with the credit card company. Whether it holds up depends on what he signed up to with the gym.
kyleelyn199723

4 mo
He had a month to month contract with the gym. He was renting out part of the gym. He paid the December payment December 9th and then they tried to charge him a January payment even though he hasn’t been present there since December
SaoirseS

4 mo
Sounds like he needs to work it out and resolve it with the gym.
Opinion Owner

4 mo
Your boyfriend needs to ( in writing) cancel whatever arrangement he has with the gym. When he does that , he can report the gym if they take another payment (next month) .
kyleelyn199723

4 mo
He ended up giving back the money. That fraudulent business owner was wrong and he knew it
SaoirseS

4 mo
Glad it got resolved.

Answer 11

SaoirseS

I'm having a hard time understanding the context of the question as well.

Answer 12

kyleelyn199723

The new card no longer holds payments. The reason being is because my boyfriend was trying to get out of a scandalous business deal and put a card that no longer has money on it so it wouldn’t be charged. The reason being is because my boyfriend knew the guy was going to try and charge him a monthly fee even though the he left the business deal even before the month being up. The scandalous business person then looked up my boyfriends old card credit card history and charged it

Answer 13

kyleelyn199723

^ story explained

Answer 14

kyleelyn199723

Even though he left before the month was up

Answer 15

Opinion Owner

There is a lot of grey area here. If there was an auto-renewal / recurring payments agreement in place. Then the guy can charge the old card. Now, your boyfriend can also get into trouble for using a CC that has no money to avoid payment.

What your boyfriend needs to do is contact the guy and tell him to stop taking payments of the card ( email for evidence) and then he can contact his credit card bank to report any unauthorized payments if the guy continues to charge the card in the future.

Answer 16

SaoirseS

The answer to the question is no, it's not credit card fraud. A vendor or provider may freely go back and charge any card it has record of if the card on file has past its expiration date, or has insufficient credit or funds to complete the transaction as long as the charge is valid. While the business deal may be shady or "scandalous," it may be perfectly legal (you don't provide any details so I'm guessing here). It would all depend on what agreement your boyfriend entered into and the terms and conditions. Best he can do is dispute the charge with the credit card issuer, which credits the money back to his card at least until it's resolved. That forces the vendor/provider to produce the necessary documentation to validate the charge, and if it's legit (even though shady) it doesn't fall in his favor. In any case, I'd cancel the credit cards used with the vendor and get new ones issued.

Answer 17

kyleelyn199723

Oh I missed a detail here. He left this place at the end of December. (27th) it’s a month to month payment so he was charged December payment December 9th. He was no longer at the gym (January) when he (today) got charged January payment

Answer 18

SaoirseS

Just dispute the charge with the merchant first and get a credit. If the gym doesn't want to do it, then dispute the charge with the credit card company. Whether it holds up depends on what he signed up to with the gym.

Answer 19

kyleelyn199723

He had a month to month contract with the gym. He was renting out part of the gym. He paid the December payment December 9th and then they tried to charge him a January payment even though he hasn’t been present there since December

Answer 20

SaoirseS

Sounds like he needs to work it out and resolve it with the gym.

Answer 21

Opinion Owner

Your boyfriend needs to ( in writing) cancel whatever arrangement he has with the gym. When he does that , he can report the gym if they take another payment (next month) .

Answer 22

kyleelyn199723

He ended up giving back the money. That fraudulent business owner was wrong and he knew it

Answer 23

SaoirseS

Glad it got resolved.

Answer 24

Jamie05rhs | 1.7K opinions shared on Society & Politics topic.

Master

Probably, yeah. Don't do that.

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Answer 25

emperor90

Yoda

Form of theft so yes

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Is going back and looking up someone’s credit card history credit card fraud?

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