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Domains reportedly used in email addresses for fraudulent orders

Sometimes criminals that commit online fraud register domains to be used for email addresses when using stolen credit cards to create online orders that are fraudulent. Below is a list of domains that have been reported to have been used in credit card fraud.

ACRYDOME.COM            
ALOHAISLES.COM           
APPSQUAREHQ.COM    
BAOLINHSHOPS.COM
BILYNK.COM     
BLECAF.COM
BLISSEDGIFTS.COM
CALPESED.COM
CALRENLITT.COM
COMEKLAP.COM
DINTHATED.COM
GYANFRUITS.COM
HEKJAOE.COM
HINTINAT.COM
ICHOICE.BIZ
ICHOICE.US
IMEETPOWER.COM
INQWARI.COM
JUSTROFTORS.COM
LOLOPOKA.COM
MILKIWEORL.COM         
NARVEY.COM
ONTANTHEN.COM                         
PRUMEN-ART.COM       
PRUMEN-STUDIO.COM
PYVENOM.COM
REALOMING.COM
RETCEWASS.COM           
SEAFOODSSELLING.COM             
SUSPARCI.COM
TAHOLO.COM
THINKBIKINI.COM          
TIREBAB.COM
TWYSTR.COM   
VIROPOD.COM
WILVETERT.COM
WRONSANDWIT.COM  
YMOLT.COM

Below are answers to a few common questions about credit cards and how they work.

Questions:
Why does my credit card account show single or multiple charges when my card didn’t go through or was declined?

The place I used my credit card says they didn’t charge it nor do they have an authorization but my credit card bank/company shows a charge. Who is telling the truth?

I used my credit card for an online purchase and they charged my card so many times that I have reached my limit but they deny it. What can I do?

I used my credit card online and my card wouldn’t work because of AVS (address verification service) errors. My bank tells me there are authorizations and the online store says they have no authorizations. Who is right?


Answer:
Every credit card issuing bank has a set of rules that determines how long they put a hold on your funds for different situations. Unfortunately this varies depending on the bank. It has nothing to do with the online store where you used your card.

Once you enter your credit card information the online store passes it securely to their credit card processer. The processor then passes some of the information to your bank. If the card number is good and funds are available a pre-authorization occurs by your bank. The credit card processor gets the response and performs other checks based on the online store’s settings. If the card information passes these checks an authorization for the funds is obtained and passed to the online store. If any check fails the online store is NOT issued an authorization, however, your bank will place a hold on your funds because of their pre-authorization. The length of this hold is usually 1-2 days but it can be up to 14 days depending on their policy. The online store does not have an authorization so they can’t charge your card in these cases nor can they cancel an authorization (they don’t have one to cancel). A typical authorization will place a hold on funds for 30 days.

With online fraud becoming more and more prevalent online stores use these checks to help ensure your credit card use is legitimate. The most common of these checks are AVS and checking your CVC (security code). If you fail an AVS or CVC check multiple times then there are multiple pre-authorizations. Many times these pre-authorizations will appear to be actual charges on your account until they expire.  This can result with angry customers calling the online store. The agent at the online store will assure the customer there are no changes or authorizations. The customer feels like they are getting the run around. To confuse things even more sometimes when the customer calls their credit card bank the agent will tell them there is an authorization (when there is actually a pre-authorization) and they should call the online store to have it removed. In most situations the online store agent can’t do anything about it. The best thing to do is wait a few days and it usually goes away. Credit card banks should do a better job of explaining this.


Question:
When I used my credit card the online store said my card was declined when in fact the card failed because I mistyped my address resulting in an AVS (address verification service) error. Why didn’t the online store just tell me to check my address?


Answer:
The answer is simply because of credit card thieves and identity theft. Credit card thieves look for online stores that provide AVS error feedback so they can test their stolen credit cards. They can enter their stolen credit card number with an incorrect address and if they get an AVS error they know the card is good and hasn’t been reported stolen yet. If they get a decline they know the card theft has been reported so they discard it. The thief will test hundreds of cards and each time the online store is charged a fee for the authorization attempt.

Question:
I’m going to Europe can I use my credit card while overseas and are there extra charges or fees?


Answer:
Yes, you can use your card but plan ahead and choose the right card! It’s always a good idea to call your credit card bank and let them know when and where you plan to travel so their fraud prevention department doesn’t put a hold on your card while you’re gone due to suspicious charges. Just as important you should review your credit card agreement or call your bank to understand any foreign transaction fees or currency conversion fees they charge for purchases made outside the United States. Depending on the bank these can be significant and an unpleasant surprise when you get your bill. After reviewing the agreements use the card that charges the least amount in fees while you are in Europe or better yet get a new card that has even fewer fees.

More on credit card fees on foreign transactions: Visa and Master Card both charge a 1 percent foreign transaction fee for converting the currency. American Express charges 2.7 percent on most of their cards. Many credit card banks add their own fees on top of these fees just because they can. For example at the time of writing Bank of America adds 2 percent fee to the 1 percent fee Master Card charges for a total of 3 percent while on the other end of the spectrum Capital One doesn’t add any additional fees to the 1 percent fee that Visa charges. Saving 2 percent can add up so check your credit card’s fees before you leave the country. Make sure you also check ATM fees before you leave.


 

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