{"id":9472,"date":"2024-04-04T04:00:00","date_gmt":"2024-04-04T10:00:00","guid":{"rendered":"https:\/\/milesearnandburn.com\/?p=9472"},"modified":"2024-04-03T15:24:02","modified_gmt":"2024-04-03T21:24:02","slug":"in-person-emergency-compromised-card-recovery-kit","status":"publish","type":"post","link":"https:\/\/milesearnandburn.com\/index.php\/2024\/04\/04\/in-person-emergency-compromised-card-recovery-kit\/","title":{"rendered":"In-Person Emergency Compromised Card Recovery Kit"},"content":{"rendered":"\n<h4 class=\"wp-block-heading\">Introduction<\/h4>\n\n\n\n<p>I like to think I\u2019m pretty good at spotting compromised gift cards; I\u2019ve found and destroyed upwards of 1,000 over the last decade. In fact as far as I know, I\u2019ve only actually purchased four compromised cards prior to last week. Then last week, my compromised card count increased by an eye-popping 25% (or 2,500 basis points because it sounds even bigger) when I bought a compromised Pathward Mastercard at Kroger.<\/p>\n\n\n\n<p><em>Side note<\/em>: I was already suspicious of that particular gift card because the security flap was too easy to remove, but the store had very low stock, I was in a hurry, and I was heading out of the country later that day, so I threw caution into the wind very stupidly. Don&#8217;t be stupid like me, and don&#8217;t be afraid to open a gift card in store and inspect it before buying it.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">The Compromise<\/h4>\n\n\n\n<p>I opened the card in the parking lot, found a few clues that the card had been compromised:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The package was held together with super-glue<\/li>\n\n\n\n<li>The CVV gummy was balled up<\/li>\n\n\n\n<li>Removing the CVV gummy showed a scratched off code<\/li>\n\n\n\n<li>The front of the card had four numbers scratched off<\/li>\n<\/ul>\n\n\n\n<p>I know it may sound difficult to figure out that the card was compromised with nothing but those four clues, but luckily I did! <a href=\"https:\/\/y.yarn.co\/81dd608c-5833-490f-9518-f210c1991e2b_text.gif\" class=\"ek-link\">So great.<\/a><\/p>\n\n\n\n<p>When you have a compromised card, it&#8217;s a race against time to get it frozen and fixed before the card scammers are able to realize that the card was purchased and active, which is why it&#8217;s important to open and inspect cards as quickly as possible.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">The Fix<\/h4>\n\n\n\n<p>I dialed the toll free number on the back of the card in my car at the Kroger parking lot, and I got stuck in Pathward&#8217;s automated call system. The system was repeatedly asking for a card number, and then hanging up on me after three failed attempts. I obviously failed every attempt because I didn&#8217;t have a full card number or CVV. Entering all 0s, 1s, or random numbers didn&#8217;t get me past the call tree, and neither did acting dumb and not entering anything either.<\/p>\n\n\n\n<p>After a few frustrating minutes, I realized that another non-compromised Pathward Mastercard would have a valid number, so I got one of those and used its information, which got me through the automated system to talk to a human. The human was able to freeze the funds on the compromised card and issue a replacement by mail after looking it up using information on the barcode and about how it was loaded.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">The Lesson<\/h4>\n\n\n\n<p>Gift card companies do their best to avoid talking to humans, and that means when a scammer scratches numbers off of cards, you may not be able to talk to a human when every minute counts. So, the point of this article:<\/p>\n\n\n\n<p>On your phone, keep a list of gift card numbers, CVVs, and expiration dates for old, drained cards for every issuer and card type that you typically buy. Then, if you encounter a stubborn robot phone system, you&#8217;ll have quick information ready to get through to a human.<\/p>\n\n\n\n<p>Happy Thursday!<\/p>\n\n\n<div class=\"wp-block-image is-style-editorskit-rounded\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"994\" height=\"660\" src=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2024\/04\/image.png\" alt=\"\" class=\"wp-image-9474\" style=\"width:420px\" srcset=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2024\/04\/image.png 994w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2024\/04\/image-300x199.png 300w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2024\/04\/image-768x510.png 768w\" sizes=\"auto, (max-width: 994px) 100vw, 994px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"has-text-align-center\" style=\"font-size:14px\">Next up: Following the clues to decipher restaurant hidden messages.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Introduction I like to think I\u2019m pretty good at spotting compromised gift cards; I\u2019ve found and destroyed upwards of 1,000 over the last decade. In<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_editorskit_title_hidden":false,"_editorskit_reading_time":0,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","footnotes":""},"categories":[75,56],"tags":[],"class_list":["post-9472","post","type-post","status-publish","format-standard","hentry","category-scam","category-wisdom"],"_links":{"self":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/9472","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/comments?post=9472"}],"version-history":[{"count":4,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/9472\/revisions"}],"predecessor-version":[{"id":9478,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/9472\/revisions\/9478"}],"wp:attachment":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/media?parent=9472"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/categories?post=9472"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/tags?post=9472"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}