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Better check your bank account movements on a daily basis

Started by Shiori, May 21, 2024, 08:38 PM

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Shiori

I have spotted a fradulent transaction of $1.26 processed yesterday on my debit card.


Immediately called the bank and was told it was a transaction made online.


I requested the card to be cancelled immediately as I did not make any online transactions on that card.


Better check your bank account movements on a daily basis.

No guessing game


default

Quote from: Nevereatrice on May 21, 2024, 08:54 PMHuh scammer so kind only scam $1 :s11:

they usually take a few dollars so u wont notice

but got kena those suddenly take a few hundred

ya must check
Only money is real

drdoof

Good habit to check bank account especially when it's tied to a cc/debit card.

daryl76

happened to me before also

and to think i only uses that card for petrol payment and ezlink top up

dunno where my info got compromised, the guy from the bank can still ask me if its really not me who made the purchases, knn kumgong
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mY wIfE iS a sEX oBjEct, eVerYtImE i aSk fOR seX, sHe ObjEcTs!

Philipkee

Quote from: Shiori on May 21, 2024, 08:38 PMI have spotted a fradulent transaction of $1.26 processed yesterday on my debit card.


Immediately called the bank and was told it was a transaction made online.


I requested the card to be cancelled immediately as I did not make any online transactions on that card.


Better check your bank account movements on a daily basis.
I tel you one issue. But it's probably just lagging but I can see a potential issue.

let's say you $1015 in your bank account.  You spend $5.  Now you have $1008 in your available balance.

now with internet banking.  You don't have your previous balance in the account, only the current one.  Did you have $1015 originally or $1013?  With a bank book you can always see the previous balance

Asked before and it's more like server need to catch up but I am thinking if one day there is a bug that deducts something small with every transaction but somehow it does not appear in your list of transactions, then how?  It's not like before any withdrawal you commit to memory exactly how much you have and then after the withdrawal you do your sums to make sure it tallies

nyvrem

i kenna b4, some random UK coy put $1 into my account

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Trust me ~ I'm a quitter

Suntan

Now the scammers could be the banks itself when they start charging fee on our deposit. Notice how they started to hv big profit year by year ? No need go hunt for borrowers. Auto revenue from depositors. :s12:
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Philipkee

Quote from: Suntan on May 23, 2024, 01:48 PMNow the scammers could be the banks itself when they start charging fee on our deposit. Notice how they started to hv big profit year by year ? No need go hunt for borrowers. Auto revenue from depositors. :s12:
Maybe like there is hidden surcharge.  Example is when you have Uob card and you withdraw from ocbc atm

encourageSome1

Quote from: Nevereatrice on May 21, 2024, 08:54 PMHuh scammer so kind only scam $1 :s11:

Plan to Tk 1 and 11 and 111 then one day u nv see 11 times 1xx then one day 99 x of 1xx ...
E devil in e details
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encourageSome1

Quote from: Philipkee on May 22, 2024, 08:15 AMI tel you one issue. But it's probably just lagging but I can see a potential issue.

let's say you $1015 in your bank account.  You spend $5.  Now you have $1008 in your available balance.

now with internet banking.  You don't have your previous balance in the account, only the current one.  Did you have $1015 originally or $1013?  With a bank book you can always see the previous balance

Asked before and it's more like server need to catch up but I am thinking if one day there is a bug that deducts something small with every transaction but somehow it does not appear in your list of transactions, then how?  It's not like before any withdrawal you commit to memory exactly how much you have and then after the withdrawal you do your sums to make sure it tallies

Need to download last mth statement to see lor
Mafan

Philipkee

Quote from: EncourageSome1 on May 23, 2024, 11:19 PMNeed to download last mth statement to see lor
Mafan

Gonna be tough cos you can only review this one month later by that time you might have forgotten and you still cannot match the account TODAY until the statement comes out one month later

No guessing game

Very troublesome to track impossible. Bank  Every month will send statement to me sometimes don't even check pay liao last time i will every month call to check if got any overseas transaction before paying but difficult to keep up cos it is a pain to call their cs

encourageSome1

Quote from: Nevereatrice on May 24, 2024, 06:17 PMVery troublesome to track impossible. Bank  Every month will send statement to me sometimes don't even check pay liao last time i will every month call to check if got any overseas transaction before paying but difficult to keep up cos it is a pain to call their cs
For me I ll check all merchant I nv see before and anyth above 2x
if too many txn but post covid v less activity I check every line
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Isibeihaolian

Thank you Shiori kor for the info. Will check it out :s12:
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