Victim: My credit card was used to buy movie tickets

Aileen Cerrudo   •   August 5, 2019   •   876

Image by Michal Jarmoluk from Pixabay

Overseas Filipino Worker (OFW) Jayson Cabuslay had an outstanding balance of over P40,000.

“Isang lang naalala, ko isang beses ko siya ginamit nagpa-gas kami, nakalimutan ko iyong place basta diyan lang sa may San Juan. Iyon lang, isang beses ko lang siya ginamit sa gas station (One thing I can remember is, I used it to pay for gas. I forgot where but it is around San Juan. I only used it once to pay for gas),” he said.

He was still in Saudi Arabia at that time when he received a text message informing him that his card was being used.

Jayson was in shock upon knowing that most of the transactions are for paying movie tickets at Robinsons Movie World in Ugong Norte, Quezon City.

The bank also reported all the movie tickets were purchased in one day.

He also cannot understand how the One-Time-Password (OTP) —that only he can access — had been breached.

“Since OTP iyon, OTP message iyon kampante ako na hindi nila magagamit kasi nasa akin iyong code pero lahat ng OTP na iyon lahat ng online transaction na iyon may OTP nag-proceed. Hindi ko alam kung bakit, (Since it’s an OTP, I was confident that they wouldn’t be able to use the code because only I have the access to it. But all the OTPs and transactions went through. I don’t know why),” he said.

Another victim, Amalynn Hadap also had the similar experience. Her credit card was also used to purchase movie tickets in the same area in Valenzuela.

Jayson also found out that there was a Facebook post selling discounted Robinson’s movie tickets amounting to P150.

How to prevent credit card fraud?

According to the National Privacy Commission (NPC), syndicates for credit card fraud have accomplices at gasoline station and malls.

These syndicates will attempt to get credit card information including:

  • Card number
  • Name
  • Expiry Date
  • CCV number (three digits at the back of the credit card)

When doing transactions, the NPC advises the public to:

  • Monitor the cashier when your credit card is being swiped.
  • Use complicated passwords for your internet accounts.
  • Don’t dump your account details in your computer or on the internet to prevent hacking.
  • Only give your personal details to trusted websites with ‘https’ on the address bar. Website address with only ‘http’ are not reliable.
  • Be careful in clicking links from suspicious emails because they can take you to ‘phishing’ websites.

Jayson will file a credit report dispute letter to question the unauthorized transactions.—AAC (with reports from Mon Jocson)

Tips to protect home from intruders

Aileen Cerrudo   •   April 16, 2019

People plan an out of town vacation to remove stress, whether it is from work or other things. But if they’re stressing about their home being robbed, what’s the point?

The Philippine National Police (PNP) released its guidelines to assure the public that this year’s summer vacation is peaceful and secured.

Here are a few more reminders to ensure that your home will be safe from intruders.

  • Make sure all the doors and windows are locked
  • Leave old slippers or shoes outside your door to make it seem like someone’s at home
  • Ask neighbors if they are willing to check on your house every now and then
  • Leave a light on outside your house
  • It is advisable to install a burglar alarm
  • If it still fits your budget, purchase CCTV cameras with motion detectors
  • Make sure to put all your valuables in a safe place

For other emergencies, the PNP encourages the public “to provide the police with relevant and timely information through social media (Twitter @pnppio and @pnphotline or PNP official Facebook page) and Isumbong Mo Kay OCA text line at 0917-8475757”—Aileen Cerrudo (with reports from Mon Jocson)

9 Practical tips to prevent heat stroke

Aileen Cerrudo   •   April 10, 2019

Image by Ryan McGuire from Pixabay

Enjoy the summer heat without having to worry about heat stroke.

Heat stroke happens when your body overheats due to severely high temperature. There are cases when heat stroke can cause death.

Here are some tips to prevent heat stroke:

  1. Water is your best friend, stay hydrated.
  2. Tea, coffee, and alcohol are your enemies, they make you more thirsty.
  3. Wear chill clothes: they are brightly colored, loose and made of light materials.
  4. Dark clothes: not chill. Don’t join the dark side.
  5. Wear hats, or bring an umbrella. Less direct sun exposure the better.
  6. Unleash your inner vampire. Don’t spend too much time in the sun.
  7. If you’re going to do strenuous tasks, do it at night if possible.
  8. A fan or a mini-electric fan is a must-have.
  9. Improvise. Create a home-made air-con made out of plastic bottles. Poke a few holes around the bottle before filling it with ice. Place at the back of the electric fan. Voila! Instant air-con.

READ: M. Manila temperatures to hit 38 degrees Celsius in April — PAGASA

With temperatures rising up to 38 degrees, it is better to do these preventive measures to stay cool in the summer heat.—Aileen Cerrudo (with reports from Mon Jocson)

Banks in Britain and U.S. ban Bitcoin buying with credit cards

UNTV News   •   February 6, 2018

FILE PHOTO: A Bitcoin (virtual currency) coin is seen in an illustration picture taken at La Maison du Bitcoin in Paris, France, June 23, 2017. REUTERS/Benoit Tessier/Illustration

LONDON (Reuters) – Banks in Britain and the United States have banned the use of credit cards to buy Bitcoin and other “cryptocurrencies”, fearing a plunge in their value will leave customers unable to repay their debts.

Lloyds Banking Group Plc (LLOY.L), which issues just over a quarter of all credit cards in Britain, and Virgin Money (VM.L) said they would ban credit card customers from buying cryptocurrencies, following the lead of U.S. banking giants JP Morgan Chase & Co (JPM.N) and Citigroup (C.N).

The move is aimed at protecting customers from running up huge debts from buying virtual currencies on credit, if their values were to plummet, a Lloyds spokeswoman said.

Concerns have arisen among credit card providers because their customers have increasingly been using credit cards to fund accounts on online exchanges, which are then used to purchase the digital currencies.

However, other banks said on Monday they will continue to allow credit card customers to buy cryptocurrencies.

“We constantly review our protections for customers as a responsible bank and lender, and are keeping this matter under close review,” a spokeswoman for Barclays said.

Barclays is Britain’s leading credit card issuer with a market share of around 27 percent through its Barclaycard brand.

“At present UK customers can use both their Barclays debit card and Barclaycard credit card to purchase cryptocurrency legitimately,” the Barclays spokeswoman said.

Spain’s second-biggest bank BBVA (BBVA.MC) also said it has no restrictions in place on such purchases.

Last week Mastercard Inc (MA.N), the world’s second biggest payments network, said customers buying cryptocurrencies with credit cards fueled a 1 percentage point increase in overseas transaction volumes in the fourth quarter.

At that time Bitcoin was staging a spectacular rise in value, reaching a peak of $19,187 on Dec. 16 on the Luxembourg-based Bitstamp exchange.

But the biggest and best-known cryptocurrency has since fallen dramatically and on Monday was down by 11 percent to $7255 at 1719 GMT on Bitstamp, extending losses from Friday amid worries of a global regulatory clampdown.


The decision on whether to allow credit card users to buy cryptocurrencies is a credit risk decision made by the card-issuing banks, a spokesman for Mastercard said.

A spokeswoman for Chase bank said it is not currently processing credit card purchases of cryptocurrencies because of the volatility and risk involved, while a Citi spokeswoman confirmed a similar ban, but did not give a reason.

The bans extends only to credit card purchases, with debit card users still able to buy cryptocurrencies.

“Across Lloyds Bank, Bank of Scotland, Halifax and MBNA, we do not accept credit card transactions involving the purchase of cryptocurrencies,” the Lloyds spokeswoman said in an email.

Lloyds did not say how it planned to enforce the ban, although the Telegraph newspaper reported on Sunday that its credit card customers will be blocked from buying Bitcoin online through a “blacklist” that will flag sellers.

A spokeswoman from the Royal Bank of Scotland (RBS.L) declined to comment on the bank’s policy.

Europe’s biggest bank HSBC (HSBA.L) did not respond to requests for comment on whether it permits credit card purchases of cryptocurrencies.

Concerns about the use of Bitcoin and other such currencies extend beyond the use of credit cards for borrowing.

British Prime Minister Theresa May has said Britain should take a serious look at digital currencies such as Bitcoin because of the way they can be used by criminals.

Additional reporting by Anjuli Davies in London and Jesus Aguado in Madrid; Editing by Peter Cooney and Alexander Smith


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