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Andy: This is The Secure Family Podcast.

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Welcome friend I'm Andy Murphy, the
host and founder of The Secure Dad.

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This show is all about empowering parents
to protect themselves and their family.

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I believe that security is
the foundation of hapPINess.

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I want your family to be safe and happy.

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If that sounds like something that
resonates with you, subscribe to

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the show because there is always
something new to talk about.

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The information that I share
on this podcast is for general

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information purposes only.

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My goal is to empower you to make
safer decisions for yourself and

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your family because our safety
is our own responsibility.

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Today.

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I'll share what you need to know to stop
credit card fraud and how to respond to it

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when it happens to you or a family member.

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All of that and more coming up
on The Secure Family Podcast.

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If you're like me, you're
helping your parents navigate

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the ever-changing digital world.

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I am very concerned
about their generation.

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The phone and email scams are getting
too good, too fast, and scammers

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are targeting them every day.

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Many times scammers buy real
information from data broker sites

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and misuse it to target people.

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It's hard to spot a scam when they
have decades worth of your data,

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like your real addresses, your work
history and family member names.

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If you're worried about a parent or
loved one like I am, DeleteMe can help.

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They will remove your data from hundreds
of data broker sites, giving you and

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your family some of your privacy back.

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And you can add a family member
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That's right.

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They get all the benefits of DeleteMe
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You can get 20% off your DeleteMe Plan
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That's join DeleteMe.com/dad code Dad.

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So credit card fraud is something
that can happen to any of us.

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It's when we realize that there is a
charge on our account that we didn't

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put there, or maybe we get an alert
from our credit card company that

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we made a purchase six states away.

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It can happen in many different forms.

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It can be taken in many different ways,
and we're gonna talk about all of that.

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Plus what you can do to make
sure that you act responsibly and

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quickly when you get a fraud alert.

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First, let's talk about how this
happens because you're probably

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wondering, did I do something wrong?

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And chances are the answer is no.

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Credit card fraud can happen to
anybody, and certainly you don't need

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to feel ashamed when this happens.

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Not at all.

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I can tell you this from experience
because this has happened to me

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more than once, and we'll talk
about that in a little bit later.

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Here are a few ways that bad guys
can get your credit card information,

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and once you see how complicated
this is, you'll understand why

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I say you shouldn't feel bad.

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So one of the first ways that they can
get your credit card info is using a

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skimming device at a gas pump or an ATM.

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This is when a device is placed over
the credit card reader at the gas pump,

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and it scans your card data while an
unseen camera captures your PIN code.

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As you type it in.

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In fact, I've done an entire
episode on how this works.

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If you want to see this completely
fascinating process, check out episode

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number 313 from February of this year.

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Absolutely fascinating.

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I. Phishing emails are another big one.

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These are scam emails that look
like they are from your bank or a

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company that you do business with.

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I've gotten ones that look like
a real invoice from a furniture

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store in my state, and it even
had the PayPal logo on it.

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It, you know, calls me to
pause for just a second.

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I realized that, you know, I hadn't
ordered a bunch of furniture,

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but I realized that it was fake.

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And regardless, these emails
trick you into giving over your

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credit card information, your
PIN, and even your CVV number.

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The amount of social engineering that
goes into these emails is astounding.

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These scammers do this every day, and
this is what they do for a living,

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and they're pretty good at it.

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Now, seemingly this happens
every week, but major shopping

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websites are getting hacked.

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It happens to big box stores
like Target and Home Depot.

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I was rolled up in the one at Home
Depot sometime, you know, before COVID.

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So really.

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Your data, your, excuse me, your
credit card information, and your

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data really is only as safe as
the company that's holding it.

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We used to be able to trust those
companies to do that, but the

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attackers against those companies
are getting so good at what they do.

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It's hard for them to fend
off every single attack.

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So we may lose our credit card number
simply for being a customer at a store.

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And then there's everybody's
favorite, the data breach.

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You didn't know a company had your
credit card info, but somehow they

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did, and now they've lost it because
it was on an unencrypted drive that

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anybody could access from the internet.

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Fun times.

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And of course there's also the classic
stolen wallet or somebody using an

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RFID sniffer to snag the emission
that comes off your credit card.

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So there's lots of different ways
that your card can be compromised.

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And before we go on, let's define
what credit card fraud is because it

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means a lot of things, and you need to
understand that when you work through

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this with a credit card company.

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So credit card fraud is the unauthorized
use of a credit card or credit card

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information to make purchases or withdraw
funds without the cardholder's consent.

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It is a form of financial fraud that can
involve stolen physical cards, a hacked

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account, or even fraudulent transactions.

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So this even means if your
kid takes your card and buys

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something without your permission.

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That also is considered credit card fraud.

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So as we can see in 2025, thieves
don't even need to be physically

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present to steal your card.

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They just need the number and once they
have that, they are off to the races.

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Alright, so let's say that this happens
to you and you are a vigilant person

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and you spot a charge on your credit
card bill that you don't recognize.

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Maybe it's a random $5 purchase from
a gas station across the country,

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or a $300 purchase at some sneaker
store that you've never heard of.

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In my case, it was actually
a surf shop in California.

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So you've seen this.

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Now what do you do?

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The first thing you
need to do is not panic.

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Remember, this is fixable and
it happens every day to good

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people, which is why credit card
companies have fraud departments.

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Very, very large fraud departments,
but you need to still act quickly.

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So here's what I recommend that you do
first, if you can lock or freeze your

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card immediately, most card apps let you
do this with one tap, and that really

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will stop the new charges instantly while
still keeping your credit card valid.

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Next, you need to call the card
issuer, tell them what's going on.

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They'll cancel the compromised card,
issue a new one, and then they're

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gonna start their own investigation.

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But make sure, please make
sure that you do not Google the

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number for the fraud department.

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Use the number that's on back
of the card if you still have

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possession of the physical card.

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I know people who have searched
online for a number for a credit card

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company, and it was a separate scam
that preyed on people in a panic.

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So unfortunately, Google cannot
weed out all of the scams that are

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Google ads, so please just make sure
you are calling the right number.

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Number three, review your
recent transactions and

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go through them carefully.

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Even tiny charges, like a
random dollar 50 can be a test

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charge to see if a card works.

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Many times scammers will do a small
test charge to make sure that their

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copied card works before they move on
to like the $500 charge of Best Buy.

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And lastly, change your password
and your PIN codes, especially

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for your bank accounts and any
place where that card was stored.

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If you reuse passwords across sites,
now's the time to change that.

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Uh, I know it's a pain, but it's
much better than trying to recover

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accounts that you are locked out of.

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And there is some good news under the
Fair Credit Billing Act, you are only

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liable for up to $50 in unauthorized
charges, and most issuers won't make you

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pay anything if you report this quickly.

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In fact, I've never paid for a fraudulent
credit card charge ever if I reported it.

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So for many reasons, I'm
gonna just encourage you.

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Act fast.

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Don't put this off.

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After you report the fraud, your
card company will go to work,

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and this is usually what happens.

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There might be some deviations,
but generally this is the flow.

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They're gonna cancel your old card
and they're gonna mail you a new one.

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Now, they used to mail you one overnight,
and that is not always the case.

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I actually had to wait, I think seven
or eight days to get one, one time, so

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that could be a problem for some people.

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Just keep that in mind.

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And if you use Apple Pay for
that card, you're gonna need to

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delete that old card and then add
the new one on when it arrives.

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Now, they're also gonna investigate
these charges, and they may ask

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you to sign a statement saying that
you didn't make them, or sometimes

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they'll actually ask you that over
the phone and record your voice,

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and that will act as your statement.

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And in most cases, you'll get the money
refunded or the charge will be voided.

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Now, not all banks and credit
card companies are created equal.

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All the ones that I've ever worked
with have treated me really well,

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but that is not always the case.

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Some institutions may treat you like a
criminal until they know otherwise you

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may be guilty until proven innocent.

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So if things get frustrating,
don't be afraid to escalate.

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You could also file a complaint with the
Consumer Financial Protection Bureau,

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and that is gonna be the cfpb.gov.

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Once you've gotten this fire put out,
let's make sure that it doesn't reignite.

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Here are some practical ways that I
have protected my family's finances.

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Based on what I've learned,
I highly suggest that you

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set up transaction alerts.

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I get an alert from my credit card app
every time we make a charge, even if

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it's a small one,  It annoys my wife,
but I know immediately if something is

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off, this is actually how I've caught
fraudulent transactions in the past.

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And there are times that I will
text my wife and say, Hey, did

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you just charge something to a
website that we don't normally use?

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And then she'll say, yeah, this
is, you know, for whatever.

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She gives a good reason for it.

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And it's important we, you do this not
to be accusatory in these conversations.

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You're just asking for
verification so you don't have

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to shut everything down quickly.

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This doesn't need to lead to an
argument about who's spending

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money and that sort of stuff.

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Just come at it from the point of
view of, Hey, this looked weird to me

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and I just wanna confirm it before I,
you know, shut down our credit cards.

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Now you can also use
virtual credit cards online.

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Some banks and companies let you
generate a single use card number,

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which is actually pretty cool.

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This is more of an advanced technique, but
it is an option that's available to you.

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Now some of you might have guessed what
I'm gonna tell you next, and that is

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that you need to freeze your credit.

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If you've been following me for the
last few years, you know that I am a

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major supporter of freezing your credit.

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It is easy to do, and after the
National Public Data Breach, we

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should all have our credit frozen.

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And no, this does not affect
the use of a credit card.

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This just makes sure that no one
can open a credit card in your

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name without your permission.

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This prevents anybody from opening
a new account in your name, even

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if they have your social security
number, and you can do it for free

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at Equifax, Experian, and TransUnion.

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Now while we're kind of on this
subject, we talked about passwords,

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and I know nobody likes passwords.

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Nobody likes remembering them,  but
reusing the same old password is

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like handing out a spare key to
every website you've ever visited.

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I would like for you to consider
now being a good time to go

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ahead and get a password manager.

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You can look at NordPass, or if you
have an iPhone, can use that one

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that is just built into the phone.

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That's a whole lot better
than using password.

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1, 2, 3, 4 for everything.

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Now what I've covered,
these are not overreactions.

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This is what the industry says to do.

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These are smart protective steps.

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By doing this, you're not being paranoid.

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You're being a responsible adult, looking
out for your family and your good name.

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And when this happens, it's important
to share what's going on with your kids.

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One day they're gonna have
credit cards and they need to

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be ready for when that happens.

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Or they may have credit cards already now.

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Impart this life lesson to them, so
they know what to do when it happens.

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They can follow in your example,
and this should be a part of any

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discussion about getting a credit card
with your kids for the first time.

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Now here's what you can tell your
kids, uh, to help them understand

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how to keep their credit card safe in
addition to what we've already covered.

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You should never share your credit
card number with your friends.

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In person or online.

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I know you might owe somebody something,
but don't share that credit card number.

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If something seems too good to be
true like a phishing email, well then

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it probably is, and that's something
that you're going to need to avoid.

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And honestly, that's
just good life advice.

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That just doesn't pertain
only to credit cards.

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That's just good life advice.

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And then always check with your parents
before buying anything online to make

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sure that you're buying it from a good,
reputable website, that you're paying a

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good price and all that sort of stuff.

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Just like we teach them to
wear helmets or lock the door.

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This is another part of just raising
safe, aware kids in a digital world.

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I mentioned my credit card fraud issues
earlier, so let me give you a little

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bit more background on what happened.

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So three years, three different
cards, three different

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cases of fraud all in a row.

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And now that I sit and think about
it, I actually think there have been

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more cases of credit card fraud.

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Other than that, but I just do
remember there were three years in

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a row where our card was compromised
and we had to get new ones.

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And that is a real shame, isn't it?

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And to this day, I don't know how
my credit cards are compromised.

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Maybe it was a breach.

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Maybe it was a skimmer, but every time I
went through the process, locked things

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down and I got things fixed and it wasn't
a huge hassle, but it was inconvenient

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and it wasn't personal either.

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That's something that you need
to understand in all of this.

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When somebody steals your car,
chances are they don't know you.

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I would say 98% of the time
they don't know who you are.

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00:15:00,112 --> 00:15:04,372
That other 2% is somebody who knows
you and has access to your wallet or

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your purse, but 98% of the time they've
never been in the same room with you.

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They never will be.

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And this you, it's just a number.

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They're going after the number.

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00:15:12,832 --> 00:15:14,302
They're not going after you personally.

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00:15:15,359 --> 00:15:17,819
Now because of all of
this, my credit is frozen.

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00:15:17,819 --> 00:15:21,479
I get text alerts and I have built
healthier habits to protect not

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00:15:21,479 --> 00:15:23,459
just me, but my whole family.

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00:15:23,639 --> 00:15:26,669
And one of the best tips that I
can give you about protecting your

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00:15:26,669 --> 00:15:29,789
card is to use Apple or Google Pay.

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00:15:30,299 --> 00:15:34,769
This protects your real card and
uses encryption and secure practices

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00:15:34,769 --> 00:15:36,779
set in place by Apple and Google.

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00:15:37,049 --> 00:15:37,814
So tap to pay.

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00:15:38,374 --> 00:15:42,184
For today at least, is one of the
safest ways that you can pay and I

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00:15:42,184 --> 00:15:44,074
cannot encourage you enough to do it.

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00:15:44,254 --> 00:15:46,384
So if you've been putting
it off, it's okay.

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00:15:46,384 --> 00:15:47,704
It's super simple to do.

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Put your credit card on your phone.

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It's a whole lot safer.

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00:15:51,634 --> 00:15:54,394
And I want you to know if this
does happen to you or if it happens

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00:15:54,394 --> 00:15:56,284
in the future, you can recover.

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00:15:56,669 --> 00:15:57,569
You're not alone.

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00:15:57,569 --> 00:16:00,389
You're not a bad person,
you're not irresponsible.

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00:16:00,689 --> 00:16:03,629
As long as you act responsibly
in responding to this,

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00:16:03,869 --> 00:16:05,099
you're gonna be just fine.

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00:16:05,219 --> 00:16:06,209
It's gonna be okay.

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00:16:06,629 --> 00:16:08,459
Credit card fraud is frustrating.

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00:16:08,459 --> 00:16:12,059
It is stressful, and it feels like
somebody has broken into your life

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00:16:12,059 --> 00:16:14,369
without ever stepping foot into your home.

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00:16:14,419 --> 00:16:18,829
It's a strange sensation, but now
you've got the tools, you've got

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00:16:18,829 --> 00:16:23,359
options, and when you stay calm and act
quickly, you're gonna be in control.

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00:16:24,859 --> 00:16:28,679
Being a customer of OmniWatch has
a lot of great advantages like scam

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00:16:28,699 --> 00:16:32,269
protection, dark web monitoring
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00:16:32,659 --> 00:16:36,409
But my favorite things so far are
the email alerts about data breaches.

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00:16:36,739 --> 00:16:40,709
Data breaches happen all the time and
it's hard to keep up with OmniWatch

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00:16:40,729 --> 00:16:43,909
scans, those breaches for my name
and personal information and lets

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00:16:43,909 --> 00:16:45,319
me know if I've been compromised.

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00:16:45,844 --> 00:16:47,194
Talk about peace of mind.

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00:16:47,494 --> 00:16:51,964
Try OmniWatch today with a $1 seven day
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00:16:52,244 --> 00:16:55,079
OmniWatch has my back and
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00:16:59,185 --> 00:17:02,005
That's all that I have for The
Secure Family Podcast for today,

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00:17:02,365 --> 00:17:05,615
take back your privacy and personal
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DeleteMe is the official data
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00:17:14,845 --> 00:17:18,415
If you enjoyed this episode or
learn something new today, I'd be

308
00:17:18,415 --> 00:17:21,715
grateful if you follow the show,
subscribe on your favorite podcast

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00:17:21,715 --> 00:17:23,935
platform, or leave a five star review.

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00:17:24,385 --> 00:17:27,295
Your support helps me reach more
families, and that truly means

311
00:17:27,295 --> 00:17:28,825
a lot to me and my mission.

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00:17:29,695 --> 00:17:33,265
OmniWatch is a scam and identity
protection service that monitors

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00:17:33,265 --> 00:17:36,715
your data, alerts you to threats
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00:17:37,035 --> 00:17:39,855
Try OmniWatch for seven
days for only a dollar.

315
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Get started at the link in the show notes.

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00:17:42,545 --> 00:17:44,765
If you'd like to know more
about The Secure Dad, join

317
00:17:44,765 --> 00:17:46,355
me on Instagram and TikTok.

318
00:17:46,625 --> 00:17:49,745
My username for both
platforms is The Secure Dad.

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00:17:50,645 --> 00:17:55,205
I'm Andy Murphy reminding you that
our safety is our own responsibility.