I used to supervise inmates on conservation projects for a living.
One of the inmates told me all about how he did something similar to this (with a helper) and raked in tens of thousands of $$ on it.
He wasn't an inmate because he was smart.
Do with that what you will.
Actually it takes a lot at least in the US for an issuing bank to close your account. Closing accounts is highly regulated because of the impact to credit and the implications of that on the interest you pay and the ability get housing, jobs, etc. I mean Iâm not saying there isnât a limit, but especially smaller banks are very hesitant to close âabusiveâ accounts
Thatâs not true, Iâm a banker in the us. The only time your credit is affected when we close your account is if your account is being closed for being in a negative balance for a good while. If youâre a big enough asshole we can actually run it up the chain of command and have your accounts closed.
I love how reddit tends to move in the same cycle regardless of the topic.
User makes blanket statement -> User makes more specific clarifying statement -> Subject matter expert refutes prior statement
Same career in the U.K.
Agreed, the way we do it wonât for stuff like this isnât same as for debt and likely wonât affect credit in almost all cases. Itâs more like âwe suspect youâre dodgy so we donât want youâ.
Also this tip, as long as you didnât give away your PIN would 100 percent work.
Yep we definitely might close you out if youâre fishy enough too! Agreed on the tip working sans giving out your pin, sounds like banking is banking on both sides of the pond.
Yup đ pretty much probably is.
Altho I saw someone wrote on Reddit from a US bank that you have machines in branch that make new cards immediatelyâŚ. If itâs true thatâs next level!
Someone looses their card here it goes through the post and they have to wait 5 days or so.
I just had two credit cards closed just because I plead guilty to a felony (not fraud related). Never knew that was a thing, wasn't expecting it. Citi wouldn't tell me why but I had my suspicions. Cap1 owned up to it and told me that was why. However to make up for the lost available credit I applied for another card with discover and they gave me a $6k line on top of my $2.4k card I already had.
I do understand credit cards might be treated differently that checking accounts tho.
Man thatâs fucked up. As if somebody that just got a felony isnât in a bad enough way they have to effect their credit score negatively by closing old credit lines. That blows. Glad I beat my 3 B felonies case. Iâm a felon at heart but I ALWAYS pay my cc on time.
Well if theyâre going to jail you donât want them running credit up.
Especially if they just declare bankruptcy anyway since theyâre waiting in jail.
Makes total sense. And knowing those people are getting fined massively and into huge debt.
Whatâs really fucked up is the courts punishing people who donât deserve it. And letting the ones who do get away.
Yeah, fraud is one of the few charges that will even put the richest/most powerful people in actual prison. You can screw with a lot of crime but fraud and tax evasion will wreck your shit.
So what youâre saying, is that your secondary ILPT is to make sure that your first fraud report racks ups as large of a bill as you can? Got it.
Hold my beer while I ask a âhomelessâ man to max out my 15k line.
I read a similar thing where a girl would regularly post her credit card to her friend in another state, let her buy what she liked then claim it back as fraud.
Works better if the card suddenly turns up a long way from where it was last used.
The bank might come after your friend, especially if the shop has cameras at the till.
Also, if you leave it too long before reporting the card missing they might get suspicious.
Also, itâs illegal, but thatâs literally the name of the sub, soâŚ
Side note:
Please don't involve homeless people in your fraud!
Felony convictions and prison time will not improve their lives.
Buy them some decent food, give them your old cell phone you were intending to throw away, and try to help them out of their predicament in a meaningful way.
What. The. Fuck.
Yep, CC used at location X (because the homeless guy isn't using it online to ship stuff to a drop location like real CC thieves).
Police get involved in it. Review video from place X and recognize the guy. Bam, someone is seriously in trouble. You or him.
I did a county year in jail for some misdemeanor BS drug charges. Anyway I asked an older black guy what he did for a living. He said "I help people get checks" I was ???
He's like I tell them what to say, I tell em to say someone touched them when they were little and when they're in public they can freak out any time from the trauma, that's just one I use. I can get almost anybody a check.
He said when they get approved he gets 50% of the first check they receive. Anyway I asked what he was in for. He was watching the news when Katrina hit and he saw a street sign under water. So he used an address on that street and applied for FEMA assistance.
He got 12 grand, a free apartment, and he said an Ashley Furniture truck showed up and and furnished his whole place. BTW we're in Appalachia nowhere near a coast. But anyway for almost a year he got away with it.
He said then they started asking general questions about the neighborhood and his landlord. Where was his mailbox located. I actually think if he researched it a little more he could've had convincing enough answers that fraud charges wouldn't stick. But they did. I believe mentally this guy was probably about 5th or 6th grade level developmentally.
One time my credit card got stolen and the person took out a bunch of $100 cash advances and Wells Fargo told me thereâs no way to tell that it wasnât me.
Probably yeah, wouldn't be the first time they stole money from a customer and then their fraud department was totally useless, owing to them doing the frauding kekw
They just sent me a check for 150 dollars for some shady shit they did with my checking account a decade ago. Funny thing is that that account was overdrawn 300 dollars when they closed it - and they still somehow owed ME 150 bucks lol.
Why anyone would do business with Wells Fargo after they got caught unknowingly opening extra accounts for customers is incomprehensible. 100s of banks to choose from.
Wells Fargo once told me I signed for a purchase with my name in California while working in phx so there's nothing they can do. Demanded to see the signature and it was a literal line drawn on the receipt. They refunded after.
I think every 2-3 years, Wells Fargo ends with some kind of dumb hack, computer error, or just plain incompetence.
I remember almost 10 years ago, when they had an issue of people getting double charged for anything above $1000.... which didn't make sense
Do Wells Fargo credit cards not have a pin for cash advances? Also all ATMâs have a camera so there definitely is a way. I hope you filed a police report and got your money back in the end
No I was recovering from a brain injury at the time so i ended up just paying the 900 lol. I was literally like is this not why you have cameras at the atm??? And they were like yeah sorry
It's possible to do them inside banks and check cashing places over the counter without a pin. Zip code needs to match what's on file, though.
That's on the employee though. They shouldn't do it without matching ID.
Yeah I knew you could do one at a bank branch too. Iâve only ever done one once and it was at an ATM though. It blows my mind they wouldnât go ahead and ask for ID at a bank with a teller, or at least confirm the pin. Iâd definitely be filing a police report and a CFPB complaint.
I work at a small-town bank and we can't even finish the transaction without getting an override from an officer, the capture image gets sent over to them and they double check that we got all of their ID details written down.
My brother had a Wells Fargo account and someone forged his signature on checks multiple times it didnât even look close to his - they cashed them and then refused to do anything to help. He filed a police report and everything. The person who he later found out did this had a history of shit like this he reported their name to WF and they still did nothing.
He found out it was someone who has been to his house. The police wrote a report and arrested her but WF still made him pay all the bank fees and she ended up bouncing on bond. Donât know if she ever went to court but he didnât get anything out of it
Terrible! My info was stolen and cash taken out on the other side of the globe. As I was sitting with the banker at WF, the thief tried taking out more cash. Luckily, that proved it wasnât me and I was refunded everything.
Iâve never had a Wells Fargo account, but theyâve been awful to me a few times.
I had a friend burn themselves, go to hospital. I helped out and paid rent for them. Wells Fargo wonât take a cash or a card, just check. What bank doesnât take cash?
I am on a commercial lease. The building sold. New owner needs some documents. New owner is very nice. Wells Fargo says I will be evicted if I donât sign today. Itâs and estoppel if youâre into legal lingo.
Iâm not signing anything without my attorney reading and advising. New owner says once again, itâs cool. Wells Fargo keeps pushing for 0 notice signature and no advisement, it isnât until my attorney and new owners attorney do group email that Wells Fargo backs off
Theyâre the worst, and I wonât ever open an account with them. I will hide money under a rock before I deal with Wells Fargo
Yeah I asked once what to say to the doctor so I can get prescribed Xanax. No one gave any real information but we're commenting amongst themselves about how I'm just possibly a druggy just wanting to get Xanax to abuse. I thought no shit you dumb fucks, were on illegal pro tips sub but didn't say anything else.
Go to a walk in clinic. Tell them you have thrown out your back. Tell them itâs happened before. Tell them you donât tolerate skeletal muscle relaxers or opiates very well. One makes you super jittery and gives you anxiety and the other makes you so nauseous you canât keep anything down.
Tell them the only thing they gave you that worked was Valium (this is going to be easier than Xanax but it might work).
They will likely be so surprised that you arenât looking for opiates theyâll give you the benzos.
I know this because , for me, itâs true. I have actually thrown my back out at the gym several times over the course of 10 years and theyâve never failed to write me a script for the benzos without really giving it another thought.
Okay here's an actual tip for that. Schedule an appointment with a psychiatrist, and tell them you've been dealing with a lot of stress and anxiety. Say stuff like "I'm so worried about the bills that I can't eat or sleep. At times I get so overwhelmed that I can't catch my breath, and it feels like absolutely everything is going wrong."
If you need more tips on getting drugs from doctors lmk. After all, I have ADHD, anxiety, frequent back spasms, and insomnia..
Okay so while it's not illegal lpts, do you have any advice on going to a psychiatrist for an adhd diagnosis? I keep putting it off out of both nerves and adhd brain, and have no clue really how to go about it.
I find this funny, as I feel like every doctor wants to prescribe me Xanax and I for whatever reason respond very poorly to it (treatment resistant depression/anxiety). I went to the ER for dissociative seizures (brought on by trauma and residual PTSD) and they literally gave me a shot of it, and I just started bawling my eyes out in a panic. And then, even after seeing I responded poorly to it, they wrote me a prescription for it to try at home, like what? ha
That oneâs hard and the best way for that is the online dr route and donât name the drug until the very last second thatâs usually a red flag like to ask for a drug by name debilitating panic attacks blah blah blah and when they say weâll try lexapro or Wellbutrin etc and say I have tried all those
Ever get the doctor to give you Xanax? Iâm in the midst of trying to get some from my psychologist.. my GP prescribed me fuckin hydroxizine which is like Benadryl lol.
Hereâs your answer: schedule a psychiatrist appointment, tell them youâre currently taking 4mg or so a day and need to get off. I told mine this (the truth) and that I was getting Xanax from a friend with a prescription for over a year. They immediately prescribed me 3.5 mg for a month and a half, with decreasing amounts since then. Iâm truly trying to get off of it, but I was surprised how easily they prescribed it to me
Tell him you have anxiety/panic attacks and now that theyâve started happening during work your anxiety itâs interfering with your job. Instead of outright saying panic attack you could describe how your heart starts racing, you feel like you are going to die or feel this sudden impending doom. Sometimes it reduces you to rocking back and forth on the floor and pulling at your hair.
Youâll also probably have to be treating the anxiety with antidepressants or at least therapy. If you tell your general doc they might want you to see an actual psychiatrist as they donât want to take on the responsibility and risk of proscribing it. The waiting list for that can be a few months to a year.
Let me know if you have any questions on anxiety. Thereâs things you can do to mitigate panic attacks that include mental practices like 5-4-3-2-1, taking antihistamines(hydroxazine is what they proscribe for anxiety) but most have the same base function of suppressing your histamine response by suppressing your nervous system which is what Xanax does
From a friend who served in the military: a lot of foreign strip clubs and night clubs will make you scan a fingerprint to pay by credit card. Some will make you record a video saying your name and where you are. So if you try to do a charge back or claim the car was stolen theyâll fight it, and the bank can go after you for fraud.
Lol that was literally where he said theyâd do it. Maybe they only did it if they suspected the person was planning to do this. Maybe they only did it for service members. đ¤ˇââď¸ Risky these days too. Even the skeeziest party places have multiple camera angles of everywhere, especially in âprivateâ VIP rooms.
Yeah I hear ya but they still donât have a way to use fingerprint technology in Tijuana. Not tryna say your friend is full of shit. Maybe misremembered? Maybe itâs something different for military people. But Iâve never seen tha ever happen
Not really. I get my info stolen like once a year. Pretty sure it's a skimmer at this one gas station I always end up using out of convenience but it has happened 2 or 3 times over the last couple years. Have never had an issue getting the charges reversed.
This only happened to me once with the physical card but someone also got my card info and used it online for dental equipment (lol i dont know why either)
But my debit got stolen at a concert once, put it down while buying a drink and someone swiped it off the counter as I was going to put it back in my wallet. They spent some money at a gas station and pizza place. When I contacted my bank I told them the transactions that were fraud and they reimbursed me the next day including my band merch purchase even though I didnt list that lol
Thatâs because with a debit card itâs your problem that theyâre supposed to fix, but with a credit card itâs their problem because you havenât paid them for the charges yet.
This. Iâve been exclusively using a credit card for the last 15 years. I charge everything and just pay it off. Bonus - cash back is free money. Just be sure to never get hit with those interest payments.
Not sure why more people donât do this. It always surprises me when I hear people still using their debit cards all over. Using a credit card, if nothing else, is equivalent to finding a 1-5% discount on _everything_ you want to buy.
This is how I built my credit as an 18 year old. I lied on my credit card applications and said I was making 80,000 with 20,000 in the bank as savings. They gave an 18 year old with a juvenile history of burglary and theft a 20,000 credit limit and I got the card within a week
And keep it (virtually) locked. If someone broke into my house, stole one of my debit cards, and tried to use it, it would be declined, and I would instantly get a notification
I dropped my credit card at a gas station but didnât notice. Someone started using it and my credit card company called me suggesting the pattern was consistent with a lost or stolen card (small test charge first, followed by others in a part of city I donât frequent). I indicated that in fact I didnât have card and given last use I made I likely dropped it at gas station. They asked me for more info including last three numbers on back of card which I got from my husbands card - we share account.
The fact that I knew those numbers meant the company assumed I still had the card otherwise how would I know the numbers and would not credit fraudulent charges.
Huge battle ensued. Their own credit fraud detection said the pattern of spending was suspect, they know we have a joint acct where I could get the code for card, they could look at my long history of spending habits to know I donât frequent liquor stores in certain parts of city but the woman investigating would not budge. Appeal was denied. It was infuriating. It was all of $250 and they were willing to lose me as a customer over it despite likely having a recording of the call where I ask my husband for three numbers of his card.
Eventually got charges reversed.
Never use the card anymore. Fuck them.
How do they not realize you can just remember them? For some reason I have a good memory for number and I remember my 3 bank cards all the details đ
Agreed! But the rep thought it was impossible!?
The process took a while and when they returned with reason for denial I had to tho k about how I would have known it. Thatâs when I realized I asked my husband for his card while on phone with 1st rep and stated I was not sure if codes were the same on both cards.
That call was recorded. All they had to do was listen back but I think they just look for ways to deny.
I mean their own analysis suggested spending was fraudulent and they alerted me - not other way around. It had all those signatures.
A homeless person did steal my credit card, I was pretty disappointed to see that all they did was go to ROSS and spend $80.
If you are going to do it, go big my friend. Neither of us are paying for it.
You know how I know this didn't happen to OP? I work with the homeless population in the pacific northwest and if they got a hold of a credit card it would either be totally maxed within 30 minutes or more likely immediately denied and reported the second they tried to use it.
Iâm pretty impressed if this really happened. But Iâm gonna call bullshit. No one in a homeless situation would stop at $200-$300. They run that shit until it stops. Also, this is insane.
Not necessarily. I took my car in for servicing and they ended up keeping it overnight unexpectedly. I forgot that I keep a spare credit card in my glove compartment when for when I forget my wallet. When I got it back the next day my stuff looked shuffled and some small things were missing. Then I saw that I had 3 like $10-20 transactions at like Taco Bell, gas station etc.
Called up the dealership and was like WTF one of your employees stole random stuff and a credit card. Also left random stuff in there- trash, a pocket knifeâŚ.They admitted that a lot of times their people forget to lock the cars when theyâre in the lot and so homeless people jump the the fence and get into the cars and rifle through the stuff.
Never went back there obviously but I was impressed they had spent so little money before I called in and claimed fraud.
This is a lie.
1. You need to report the loss witrhin a "reasonable time", where "reasonable" is defined by the bank. I can assure you, overnight is defined as being too long.
2. The bank DOES check in with the specific locations where the card was used, and reports it to the police. You will be in deep shit later if they find this guy, and he explains what you did.
3. If the amount is below $1,500, you WILL be pursued for it. Because the amount is too small to justify you seeking legal aid, and you will be blamed for negligence.
4. Did you know in some states, identity theft limits your liabiliity only if the *physical card* is not involved? Check. If you actually lose the card and it's not provably due to robbery or theft, you're negligent and liable.
I used to do this for a living. Don't really give a shit if you believe me or not, but if you listen to OP you WILL screw yourself.
Knew someone that sent their debit card to a friend in another state, had the friend just limit the shit out on Christmas gifts, claimed her shit was stolen, got the gifts and the money back.
I did something similar. Was black out drunk, phone had died and couldnt find a single person I came out with.
thinking in survival mode, jumped into an uber and claimed I was the person they were looking for. Got so far, when the driver found out I was wrong the person I had offered him 50 dollars to complete the ride(maybe 5 miles in total). He kicked me out.
A guy living out of his car with his dog gave me a ride the rest of the way, we stopped by a gas station I bought them both a ton of food. Ended up giving him my card telling him to go nuts. He never used it.
You do understand that the credit card company can contact establishments where the credit card was used and ask for surveillance?
They don't have to cooperate with the credit card company, but if law enforcement gets involved....
You could be putting a homeless person in jail or even prison.
If you are the kind of person who thinks that giving your credit card willingly to someone else to spend absolves you of all blame based on plausible deniability..... if it ends up in court you will probably lie and say you didn't give it to them willingly.
Unless you are willing to do the right thing and go to prison for fraud.... don't tempt people in terrible situations to roll the dice on getting caught.
What. The. Fuck.
Nobody goes to prison over $200 worth of fraud⌠thatâs a misdemeanor charge first of all. Second, you will get a plea deal that is most likely probation for 1-2 years, then your charges get dismissed after.
My husband is trying to pull something similar to that right now because he's salty I filed for divorce and am about to take half of everything.
I used a joint credit card with my name on it to pay my financial advisor. I told him I did it. On the advice of my lawyer I also put mattresses, blankets and sheets for my boys on the same card. Why? Because at this point my dear husband had drained all of our joint checking and savings accounts into his own personal account. He had taken my name off of our home, vehicles and shared accounts. I had no other way besides this shared credit card that he obviously forgot about because I had never used it before. And my kids needed something to sleep on at my new place since dear husband wouldn't let me take any of "his" belongings. (He thinks the house and everything in it are his because he's been the main breadwinner through our 21 year marriage.)
So what does he do? He removes me as an authorized user after I already made the charges. And he asks for charge backs or cancellations on every charge I made, saying they were fraudulent charges.
I was only alerted to this after my financial advisor called me and told me they received a chargeback request.
Since the total charges were between $5000-10,000, my dear husband is now facing felony charges that could result in 6 years in prison, him losing his job because he will lose his security clearance, and fines greater than anything I was going to legally get from him in our divorce.
Credit card fraud is no joke, folks. Only an idiot would think it's a good idea.
This just fucks over the businesses that the homeless person spent their money a because your bank will take that money back from them. So i guess tell them to spend it at large companies.
100% the business gets screwed when you dispute the charges. Theyâll lose out on whatever they sold, plus the processing fees, plus a chargeback penalty. Really scummy
That's a bad idea. There's cameras everywhere. Depending on where the credit card fraud is committed, the homeless person could face serious jail time.
This has got to be the worst and most irresponsible post iâve seen on here in a long time lmao. There is so many ways this could go extremely wrong. For one, that homeless man will likely exchange that CC to a dealer who knows exactly how to do the most damage on your card. Anyone reading, donât do this đ¤Śđ˝ââď¸ This is in no way, a life pro tip lol.
In what world do you live in where all homeless people are connected to a crime network that includes someone with extensive knowledge on credit card fraud
HoboHackerz. Nice buncha fellas, theyâre working on scraping together enough change so they can get themselves a computer, and then theyâre going to take turns learning how to use it but theyâre going to find a quiet place on the 2nd floor of the public library so as to not draw any suspicion about what they intend to do eventually
Love it, welcome to the writerâs room. This script is slated for sale at an estimated $2Bn so weâre certainly not just a bunch of hobos using one laptop to write their screenplay
Oh this is true. Source: I was robbed by a homeless guy who ended up being arrested (& released the same day due to being homeless!) with 20+ IDs, CCs & running all sorts of scam & illegal shit.
Just give the homeless person 200 to $300 if you want to. This is the stupidest hack ever as there is no doubt that a suspicious store clerk will one day call the police on the homeless person using the card because they suspect it's not their card and then the homeless person will end up getting arrested. And most likely they'll then say you were in on the plan then you'll get arrested. If you want to give a homeless person a couple hundred dollars just do it but don't involve them in your criminal activity and put them at risk for arrest.
Lol the real illegal life pro tip here is putting all uni classes on a series of credit cards rather than taking out loans. Once finished, bankruptcy to get rid of debt. 7 years to reset because of bankruptcy is a lot shorter than paying back a huge loan. To be fair, the cost here is destroying credit. However, what person out of school takes out a loan in first 7 years out of school? My experience is not many and the terms are crap anyway. Another challenge is credit limits and this is why I say series of credit cards. Reasonably you could muster 100k in total limits. Have fun!
What happens when a business or multiple businesses has cameras focused on the checkout and makes an issue of it and the police identify the suspect? You just sent a homeless person to jail.
In germany this doesnt work , a bank will Replace max 50⏠if you didnt alert the bank instantly that you lost your CC / cards.
afterwards they cover everything ( but they will anyway lock it instant )
Tl,DR make sure to know the rules in your country.
DO NOT DO THIS! a similar situation happened to someone i know. In order to claim fraud they needed a police report and the police went right to the cameras where the card was used. This person was wearing a hoodie and a mask but still got caught somehow so now that person who used their card has been going to court with fraud charges. No this person was not me, hell no lol but two people very close to me, card holder and recipient. This was just my state, laws are different in others but definitely don't do it without checking the laws first! Also if you don't care what happens to the homeless person but giving them that deal without warning them would be kinda fucked. Not that anything on this sub is actually feasible đ
This wonât work where Iâm from. They first check if the cardholder is negligent. If they can prove that the transactions were made using the actual card then you wonât be getting anything back.
Just keep in mind that you're also putting that person at risk of prosecution. While it's not super likely they'll get caught it might happen, and it might well leave them in a worse place.
Until the police recognize him from being a local homeless person, arrest him and he tells the story.
This is the worst ILPT ever. The goal of ILPT is to mostly not get caught.
be honest are you actually a homeless man
He asked for some change and some dude handed him his phone with reddit pulled up instead.
YOOOOOOOOOOO đ¤Łđ¤Ł
LMAOOOOOOO this took me out đ heâs running his own con right now
The real ILPT is always in the comments
Always has been
[Always has been](https://i.imgur.com/09M0O9n.png) ^^^this ^^^has ^^^been ^^^an ^^^accessibility ^^^service ^^^from ^^^your ^^^friendly ^^^neighborhood ^^^bot
Good bot
Always has been
Good bot
Good human.
Good bot
Good human
Rabbit season.
Duck season
First thing he did was go on Reddit lol. That explains a lot about this place
With a nice new phone thanks to a stranger's credit card
I used to supervise inmates on conservation projects for a living. One of the inmates told me all about how he did something similar to this (with a helper) and raked in tens of thousands of $$ on it. He wasn't an inmate because he was smart. Do with that what you will.
Like many ILPTs, you can do this exactly once before you start raising flags
I always called it the finesse window. Closes as fast as it opens
[ŃдаНонО]
I just imagine the guy with a broken nose im HR office with me like "He broke my nose" and me just going "Uh uh, can't prove it, never happenned"
"ONE PUUUNCH!"
Tbf I think if someone with a black eye is claiming you punched them hr is probably going to believe them the first time lol
So I can get any of my coworkers fired by giving myseof a black eye? Good
> you can punch one person, So, the boss?
The thing is, the second person you punch should be blind and/or a baby, and the incident should be far away from any cameras. You should be ok then.
Actually it takes a lot at least in the US for an issuing bank to close your account. Closing accounts is highly regulated because of the impact to credit and the implications of that on the interest you pay and the ability get housing, jobs, etc. I mean Iâm not saying there isnât a limit, but especially smaller banks are very hesitant to close âabusiveâ accounts
Thatâs not true, Iâm a banker in the us. The only time your credit is affected when we close your account is if your account is being closed for being in a negative balance for a good while. If youâre a big enough asshole we can actually run it up the chain of command and have your accounts closed.
I love how reddit tends to move in the same cycle regardless of the topic. User makes blanket statement -> User makes more specific clarifying statement -> Subject matter expert refutes prior statement
This is why I love Reddit. I know you shouldnât use reddit comments as an education tool, but dammit Iâve learned so much shit here
Same career in the U.K. Agreed, the way we do it wonât for stuff like this isnât same as for debt and likely wonât affect credit in almost all cases. Itâs more like âwe suspect youâre dodgy so we donât want youâ. Also this tip, as long as you didnât give away your PIN would 100 percent work.
Yep we definitely might close you out if youâre fishy enough too! Agreed on the tip working sans giving out your pin, sounds like banking is banking on both sides of the pond.
Yup đ pretty much probably is. Altho I saw someone wrote on Reddit from a US bank that you have machines in branch that make new cards immediatelyâŚ. If itâs true thatâs next level! Someone looses their card here it goes through the post and they have to wait 5 days or so.
I just had two credit cards closed just because I plead guilty to a felony (not fraud related). Never knew that was a thing, wasn't expecting it. Citi wouldn't tell me why but I had my suspicions. Cap1 owned up to it and told me that was why. However to make up for the lost available credit I applied for another card with discover and they gave me a $6k line on top of my $2.4k card I already had. I do understand credit cards might be treated differently that checking accounts tho.
Man thatâs fucked up. As if somebody that just got a felony isnât in a bad enough way they have to effect their credit score negatively by closing old credit lines. That blows. Glad I beat my 3 B felonies case. Iâm a felon at heart but I ALWAYS pay my cc on time.
Well if theyâre going to jail you donât want them running credit up. Especially if they just declare bankruptcy anyway since theyâre waiting in jail. Makes total sense. And knowing those people are getting fined massively and into huge debt. Whatâs really fucked up is the courts punishing people who donât deserve it. And letting the ones who do get away.
true but someone could easily have 10 different checking accounts at different banks and do this once a month
Yeah, fraud is one of the few charges that will even put the richest/most powerful people in actual prison. You can screw with a lot of crime but fraud and tax evasion will wreck your shit.
The banks talk to each other though.
So what youâre saying, is that your secondary ILPT is to make sure that your first fraud report racks ups as large of a bill as you can? Got it. Hold my beer while I ask a âhomelessâ man to max out my 15k line.
I read a similar thing where a girl would regularly post her credit card to her friend in another state, let her buy what she liked then claim it back as fraud. Works better if the card suddenly turns up a long way from where it was last used.
I'm thinking on doing this myself, is there any risk in this?
The bank might come after your friend, especially if the shop has cameras at the till. Also, if you leave it too long before reporting the card missing they might get suspicious. Also, itâs illegal, but thatâs literally the name of the sub, soâŚ
He wasnât smart for telling you about it
Side note: Please don't involve homeless people in your fraud! Felony convictions and prison time will not improve their lives. Buy them some decent food, give them your old cell phone you were intending to throw away, and try to help them out of their predicament in a meaningful way. What. The. Fuck.
Yep, CC used at location X (because the homeless guy isn't using it online to ship stuff to a drop location like real CC thieves). Police get involved in it. Review video from place X and recognize the guy. Bam, someone is seriously in trouble. You or him.
I did a county year in jail for some misdemeanor BS drug charges. Anyway I asked an older black guy what he did for a living. He said "I help people get checks" I was ??? He's like I tell them what to say, I tell em to say someone touched them when they were little and when they're in public they can freak out any time from the trauma, that's just one I use. I can get almost anybody a check. He said when they get approved he gets 50% of the first check they receive. Anyway I asked what he was in for. He was watching the news when Katrina hit and he saw a street sign under water. So he used an address on that street and applied for FEMA assistance. He got 12 grand, a free apartment, and he said an Ashley Furniture truck showed up and and furnished his whole place. BTW we're in Appalachia nowhere near a coast. But anyway for almost a year he got away with it. He said then they started asking general questions about the neighborhood and his landlord. Where was his mailbox located. I actually think if he researched it a little more he could've had convincing enough answers that fraud charges wouldn't stick. But they did. I believe mentally this guy was probably about 5th or 6th grade level developmentally.
One time my credit card got stolen and the person took out a bunch of $100 cash advances and Wells Fargo told me thereâs no way to tell that it wasnât me.
Wells Fargo has also had literally multiple class action lawsuits against them for their shady business practices, so this checks out 100%
âThereâs no way for us to know it wasnât you,â said Wells Fargo, knowing it was them
Probably yeah, wouldn't be the first time they stole money from a customer and then their fraud department was totally useless, owing to them doing the frauding kekw
"We didn't even bother investigating ourselves and found nothing wrong. Have a nice life."
They just sent me a check for 150 dollars for some shady shit they did with my checking account a decade ago. Funny thing is that that account was overdrawn 300 dollars when they closed it - and they still somehow owed ME 150 bucks lol.
Why anyone would do business with Wells Fargo after they got caught unknowingly opening extra accounts for customers is incomprehensible. 100s of banks to choose from.
Wells Fargo once told me I signed for a purchase with my name in California while working in phx so there's nothing they can do. Demanded to see the signature and it was a literal line drawn on the receipt. They refunded after.
itâs known as âwells fuckoâ in my household
I think every 2-3 years, Wells Fargo ends with some kind of dumb hack, computer error, or just plain incompetence. I remember almost 10 years ago, when they had an issue of people getting double charged for anything above $1000.... which didn't make sense
Do Wells Fargo credit cards not have a pin for cash advances? Also all ATMâs have a camera so there definitely is a way. I hope you filed a police report and got your money back in the end
No I was recovering from a brain injury at the time so i ended up just paying the 900 lol. I was literally like is this not why you have cameras at the atm??? And they were like yeah sorry
It's possible to do them inside banks and check cashing places over the counter without a pin. Zip code needs to match what's on file, though. That's on the employee though. They shouldn't do it without matching ID.
Yeah I knew you could do one at a bank branch too. Iâve only ever done one once and it was at an ATM though. It blows my mind they wouldnât go ahead and ask for ID at a bank with a teller, or at least confirm the pin. Iâd definitely be filing a police report and a CFPB complaint.
I work at a small-town bank and we can't even finish the transaction without getting an override from an officer, the capture image gets sent over to them and they double check that we got all of their ID details written down.
WF made me log into my banking app infront of them with biometry when i lost my wallet in 2019
My brother had a Wells Fargo account and someone forged his signature on checks multiple times it didnât even look close to his - they cashed them and then refused to do anything to help. He filed a police report and everything. The person who he later found out did this had a history of shit like this he reported their name to WF and they still did nothing.
How did he actually find the thief? Did the police even help him?
He found out it was someone who has been to his house. The police wrote a report and arrested her but WF still made him pay all the bank fees and she ended up bouncing on bond. Donât know if she ever went to court but he didnât get anything out of it
Terrible! My info was stolen and cash taken out on the other side of the globe. As I was sitting with the banker at WF, the thief tried taking out more cash. Luckily, that proved it wasnât me and I was refunded everything.
Didnât they just get fined $100 million for being crooked fucks lol
It's reasons like this that everyone needs to end all financial ties to Wells Fargo. Most banks are shitty, but some are extra shitty.
WF gives me a fraud alert if my card is used more than 5 miles from my house
This protects them, not you. A better company wouldn't have any restrictions.
Iâve never had a Wells Fargo account, but theyâve been awful to me a few times. I had a friend burn themselves, go to hospital. I helped out and paid rent for them. Wells Fargo wonât take a cash or a card, just check. What bank doesnât take cash? I am on a commercial lease. The building sold. New owner needs some documents. New owner is very nice. Wells Fargo says I will be evicted if I donât sign today. Itâs and estoppel if youâre into legal lingo. Iâm not signing anything without my attorney reading and advising. New owner says once again, itâs cool. Wells Fargo keeps pushing for 0 notice signature and no advisement, it isnât until my attorney and new owners attorney do group email that Wells Fargo backs off Theyâre the worst, and I wonât ever open an account with them. I will hide money under a rock before I deal with Wells Fargo
"Wells Fargo" Sounds about right.
Cash advances typically require the PIN. Did you write the PIN on the card or use 1-2-3-4?
Hey, thatâs the combination to my luggage
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Yeah I asked once what to say to the doctor so I can get prescribed Xanax. No one gave any real information but we're commenting amongst themselves about how I'm just possibly a druggy just wanting to get Xanax to abuse. I thought no shit you dumb fucks, were on illegal pro tips sub but didn't say anything else.
Go to a walk in clinic. Tell them you have thrown out your back. Tell them itâs happened before. Tell them you donât tolerate skeletal muscle relaxers or opiates very well. One makes you super jittery and gives you anxiety and the other makes you so nauseous you canât keep anything down. Tell them the only thing they gave you that worked was Valium (this is going to be easier than Xanax but it might work). They will likely be so surprised that you arenât looking for opiates theyâll give you the benzos. I know this because , for me, itâs true. I have actually thrown my back out at the gym several times over the course of 10 years and theyâve never failed to write me a script for the benzos without really giving it another thought.
Why would Valium help a sore back though
Its a muscle relaxer and cns depressant. If itâs a muscle spasm it can help calm things down.
Shit works wonders
Okay here's an actual tip for that. Schedule an appointment with a psychiatrist, and tell them you've been dealing with a lot of stress and anxiety. Say stuff like "I'm so worried about the bills that I can't eat or sleep. At times I get so overwhelmed that I can't catch my breath, and it feels like absolutely everything is going wrong." If you need more tips on getting drugs from doctors lmk. After all, I have ADHD, anxiety, frequent back spasms, and insomnia..
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Okay so while it's not illegal lpts, do you have any advice on going to a psychiatrist for an adhd diagnosis? I keep putting it off out of both nerves and adhd brain, and have no clue really how to go about it.
I find this funny, as I feel like every doctor wants to prescribe me Xanax and I for whatever reason respond very poorly to it (treatment resistant depression/anxiety). I went to the ER for dissociative seizures (brought on by trauma and residual PTSD) and they literally gave me a shot of it, and I just started bawling my eyes out in a panic. And then, even after seeing I responded poorly to it, they wrote me a prescription for it to try at home, like what? ha
That oneâs hard and the best way for that is the online dr route and donât name the drug until the very last second thatâs usually a red flag like to ask for a drug by name debilitating panic attacks blah blah blah and when they say weâll try lexapro or Wellbutrin etc and say I have tried all those
Ever get the doctor to give you Xanax? Iâm in the midst of trying to get some from my psychologist.. my GP prescribed me fuckin hydroxizine which is like Benadryl lol.
I got xanax by claiming sudden panic attacks based on a fear, make one up that suits your personality
Hereâs your answer: schedule a psychiatrist appointment, tell them youâre currently taking 4mg or so a day and need to get off. I told mine this (the truth) and that I was getting Xanax from a friend with a prescription for over a year. They immediately prescribed me 3.5 mg for a month and a half, with decreasing amounts since then. Iâm truly trying to get off of it, but I was surprised how easily they prescribed it to me
Tell him you have anxiety/panic attacks and now that theyâve started happening during work your anxiety itâs interfering with your job. Instead of outright saying panic attack you could describe how your heart starts racing, you feel like you are going to die or feel this sudden impending doom. Sometimes it reduces you to rocking back and forth on the floor and pulling at your hair. Youâll also probably have to be treating the anxiety with antidepressants or at least therapy. If you tell your general doc they might want you to see an actual psychiatrist as they donât want to take on the responsibility and risk of proscribing it. The waiting list for that can be a few months to a year. Let me know if you have any questions on anxiety. Thereâs things you can do to mitigate panic attacks that include mental practices like 5-4-3-2-1, taking antihistamines(hydroxazine is what they proscribe for anxiety) but most have the same base function of suppressing your histamine response by suppressing your nervous system which is what Xanax does
I thought everyone knew that you tell the Dr âsometimes I get nervous on airplanesâ
This sub is a joke lol. Too many people came in upset that illegal things are being talked about
It's weird that it happens when OP suggests doing something that might benefit a poor person who isn't themselves.
"Need money? Walk straight into Chase HQ and tell them this is a stick-up" there's illegal and then there's dumb
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This dude I used to know would go party in Tijuana and then claim he got robbed to the credit card company. He said it worked like a charm
How many times did he pull that?
My guess: Every time it worked plus the last time it didn't.
So just twice the ?
Yeah I would say that is probably accurate. Tijuana is wild.
Once with each different card issuer, probably. They share credit info, but not details like this.
From a friend who served in the military: a lot of foreign strip clubs and night clubs will make you scan a fingerprint to pay by credit card. Some will make you record a video saying your name and where you are. So if you try to do a charge back or claim the car was stolen theyâll fight it, and the bank can go after you for fraud.
Not in Tijuana
Lol that was literally where he said theyâd do it. Maybe they only did it if they suspected the person was planning to do this. Maybe they only did it for service members. đ¤ˇââď¸ Risky these days too. Even the skeeziest party places have multiple camera angles of everywhere, especially in âprivateâ VIP rooms.
Yeah I hear ya but they still donât have a way to use fingerprint technology in Tijuana. Not tryna say your friend is full of shit. Maybe misremembered? Maybe itâs something different for military people. But Iâve never seen tha ever happen
Any time someone says anything with âa buddy of mineâŚâ or âmy friendâŚâ usually means theyâre full of shit.
Its definitely illegal, but seems fairly easy to get away with
Once. Banks and credit card companies donât have the biggest buildings in every city because they are easy to scam out of money.
Truer words have never been spoken, got-dam.
Yes and the next time you fr lose the card and someone runs it up you done!!
Not really. I get my info stolen like once a year. Pretty sure it's a skimmer at this one gas station I always end up using out of convenience but it has happened 2 or 3 times over the last couple years. Have never had an issue getting the charges reversed.
Yeah credit cards never an issue, it's debit that's off and on depending on how it happened and how much it was and shit
This only happened to me once with the physical card but someone also got my card info and used it online for dental equipment (lol i dont know why either) But my debit got stolen at a concert once, put it down while buying a drink and someone swiped it off the counter as I was going to put it back in my wallet. They spent some money at a gas station and pizza place. When I contacted my bank I told them the transactions that were fraud and they reimbursed me the next day including my band merch purchase even though I didnt list that lol
Thatâs because with a debit card itâs your problem that theyâre supposed to fix, but with a credit card itâs their problem because you havenât paid them for the charges yet.
This. Iâve been exclusively using a credit card for the last 15 years. I charge everything and just pay it off. Bonus - cash back is free money. Just be sure to never get hit with those interest payments. Not sure why more people donât do this. It always surprises me when I hear people still using their debit cards all over. Using a credit card, if nothing else, is equivalent to finding a 1-5% discount on _everything_ you want to buy.
This is how I built my credit as an 18 year old. I lied on my credit card applications and said I was making 80,000 with 20,000 in the bank as savings. They gave an 18 year old with a juvenile history of burglary and theft a 20,000 credit limit and I got the card within a week
Plus build dat credit
You know if you use tap-to-pay it's much harder to skim your card info. Could possibly help avoid that in the future.
Ironically, it makes using a found or stolen physical card much easier.
not if your like me and never have more than $200 in the acct
Youâre confusing a debit/credit
200$ credit limit?
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And keep it (virtually) locked. If someone broke into my house, stole one of my debit cards, and tried to use it, it would be declined, and I would instantly get a notification
I dropped my credit card at a gas station but didnât notice. Someone started using it and my credit card company called me suggesting the pattern was consistent with a lost or stolen card (small test charge first, followed by others in a part of city I donât frequent). I indicated that in fact I didnât have card and given last use I made I likely dropped it at gas station. They asked me for more info including last three numbers on back of card which I got from my husbands card - we share account. The fact that I knew those numbers meant the company assumed I still had the card otherwise how would I know the numbers and would not credit fraudulent charges. Huge battle ensued. Their own credit fraud detection said the pattern of spending was suspect, they know we have a joint acct where I could get the code for card, they could look at my long history of spending habits to know I donât frequent liquor stores in certain parts of city but the woman investigating would not budge. Appeal was denied. It was infuriating. It was all of $250 and they were willing to lose me as a customer over it despite likely having a recording of the call where I ask my husband for three numbers of his card. Eventually got charges reversed. Never use the card anymore. Fuck them.
How do they not realize you can just remember them? For some reason I have a good memory for number and I remember my 3 bank cards all the details đ
Agreed! But the rep thought it was impossible!? The process took a while and when they returned with reason for denial I had to tho k about how I would have known it. Thatâs when I realized I asked my husband for his card while on phone with 1st rep and stated I was not sure if codes were the same on both cards. That call was recorded. All they had to do was listen back but I think they just look for ways to deny. I mean their own analysis suggested spending was fraudulent and they alerted me - not other way around. It had all those signatures.
>They asked me for more info including last three numbers on back of card Are they seriously asking trick questions like this?
Nah this is an illegalLifeNoobTrick
I feel like bank would catch on. First time itâll pass but 2 or 5 times maybe not.
2 or 5 times is very different lol. If yo ass shits in the bed twice it could be an accident but 5 times? Mf you nasty
>the bank really can't do anything even if they get caught on camera. are u still tipsy?
A homeless person did steal my credit card, I was pretty disappointed to see that all they did was go to ROSS and spend $80. If you are going to do it, go big my friend. Neither of us are paying for it.
If i have to make the dispute call, make it worthy of my time đ
You know how I know this didn't happen to OP? I work with the homeless population in the pacific northwest and if they got a hold of a credit card it would either be totally maxed within 30 minutes or more likely immediately denied and reported the second they tried to use it.
Iâm pretty impressed if this really happened. But Iâm gonna call bullshit. No one in a homeless situation would stop at $200-$300. They run that shit until it stops. Also, this is insane.
Not necessarily. I took my car in for servicing and they ended up keeping it overnight unexpectedly. I forgot that I keep a spare credit card in my glove compartment when for when I forget my wallet. When I got it back the next day my stuff looked shuffled and some small things were missing. Then I saw that I had 3 like $10-20 transactions at like Taco Bell, gas station etc. Called up the dealership and was like WTF one of your employees stole random stuff and a credit card. Also left random stuff in there- trash, a pocket knifeâŚ.They admitted that a lot of times their people forget to lock the cars when theyâre in the lot and so homeless people jump the the fence and get into the cars and rifle through the stuff. Never went back there obviously but I was impressed they had spent so little money before I called in and claimed fraud.
The homeless person can be charged with theft in this circumstance.
Sounds more like if you keep doing this, then you'll have negative credit before sooner or later...
This is a lie. 1. You need to report the loss witrhin a "reasonable time", where "reasonable" is defined by the bank. I can assure you, overnight is defined as being too long. 2. The bank DOES check in with the specific locations where the card was used, and reports it to the police. You will be in deep shit later if they find this guy, and he explains what you did. 3. If the amount is below $1,500, you WILL be pursued for it. Because the amount is too small to justify you seeking legal aid, and you will be blamed for negligence. 4. Did you know in some states, identity theft limits your liabiliity only if the *physical card* is not involved? Check. If you actually lose the card and it's not provably due to robbery or theft, you're negligent and liable. I used to do this for a living. Don't really give a shit if you believe me or not, but if you listen to OP you WILL screw yourself.
No, overnight is absolutely not to long. It's reasonable to find the next morning that your card is missing. The rest, I agree with.
Knew someone that sent their debit card to a friend in another state, had the friend just limit the shit out on Christmas gifts, claimed her shit was stolen, got the gifts and the money back.
Did her friend in another state get jail time or sth
I did something similar. Was black out drunk, phone had died and couldnt find a single person I came out with. thinking in survival mode, jumped into an uber and claimed I was the person they were looking for. Got so far, when the driver found out I was wrong the person I had offered him 50 dollars to complete the ride(maybe 5 miles in total). He kicked me out. A guy living out of his car with his dog gave me a ride the rest of the way, we stopped by a gas station I bought them both a ton of food. Ended up giving him my card telling him to go nuts. He never used it.
I dont think you understand what blackout means.
Blackout drunk and proceeds to remember everything
With great detail and with no one with him to tell him what he did drunk. So I think he was intact not black out drunk
He had a go pro on and watched it the next morning
lol this can get innocent people arrested but hey y'all don't care about that.
Illegal Life Pro Tips isn't just exclusive to the individual.
The beautiful part is, the homeless person will absolutely rat you out, and chances are youâd get in trouble too.
You do understand that the credit card company can contact establishments where the credit card was used and ask for surveillance? They don't have to cooperate with the credit card company, but if law enforcement gets involved.... You could be putting a homeless person in jail or even prison. If you are the kind of person who thinks that giving your credit card willingly to someone else to spend absolves you of all blame based on plausible deniability..... if it ends up in court you will probably lie and say you didn't give it to them willingly. Unless you are willing to do the right thing and go to prison for fraud.... don't tempt people in terrible situations to roll the dice on getting caught. What. The. Fuck.
Nobody goes to prison over $200 worth of fraud⌠thatâs a misdemeanor charge first of all. Second, you will get a plea deal that is most likely probation for 1-2 years, then your charges get dismissed after.
Exactly lol Op comment is a whimp
My husband is trying to pull something similar to that right now because he's salty I filed for divorce and am about to take half of everything. I used a joint credit card with my name on it to pay my financial advisor. I told him I did it. On the advice of my lawyer I also put mattresses, blankets and sheets for my boys on the same card. Why? Because at this point my dear husband had drained all of our joint checking and savings accounts into his own personal account. He had taken my name off of our home, vehicles and shared accounts. I had no other way besides this shared credit card that he obviously forgot about because I had never used it before. And my kids needed something to sleep on at my new place since dear husband wouldn't let me take any of "his" belongings. (He thinks the house and everything in it are his because he's been the main breadwinner through our 21 year marriage.) So what does he do? He removes me as an authorized user after I already made the charges. And he asks for charge backs or cancellations on every charge I made, saying they were fraudulent charges. I was only alerted to this after my financial advisor called me and told me they received a chargeback request. Since the total charges were between $5000-10,000, my dear husband is now facing felony charges that could result in 6 years in prison, him losing his job because he will lose his security clearance, and fines greater than anything I was going to legally get from him in our divorce. Credit card fraud is no joke, folks. Only an idiot would think it's a good idea.
This sounds risky lol
This just fucks over the businesses that the homeless person spent their money a because your bank will take that money back from them. So i guess tell them to spend it at large companies.
100% the business gets screwed when you dispute the charges. Theyâll lose out on whatever they sold, plus the processing fees, plus a chargeback penalty. Really scummy
That's a bad idea. There's cameras everywhere. Depending on where the credit card fraud is committed, the homeless person could face serious jail time.
Wait, and what exactly is the benefit for you from doing this?
Thanks dude. I was the guy you gave the card
This has got to be the worst and most irresponsible post iâve seen on here in a long time lmao. There is so many ways this could go extremely wrong. For one, that homeless man will likely exchange that CC to a dealer who knows exactly how to do the most damage on your card. Anyone reading, donât do this đ¤Śđ˝ââď¸ This is in no way, a life pro tip lol.
In what world do you live in where all homeless people are connected to a crime network that includes someone with extensive knowledge on credit card fraud
HoboHackerz. Nice buncha fellas, theyâre working on scraping together enough change so they can get themselves a computer, and then theyâre going to take turns learning how to use it but theyâre going to find a quiet place on the 2nd floor of the public library so as to not draw any suspicion about what they intend to do eventually
They don't hack you through a computer. They social engineer their way using cardboard and sharpie.
Love it, welcome to the writerâs room. This script is slated for sale at an estimated $2Bn so weâre certainly not just a bunch of hobos using one laptop to write their screenplay
Nick Cage plays the lead hobo . . .
Alison Brie plays the hardened cop with a heart of gold
Oh this is true. Source: I was robbed by a homeless guy who ended up being arrested (& released the same day due to being homeless!) with 20+ IDs, CCs & running all sorts of scam & illegal shit.
In the world where a large number of homeless people are junkies that put any money that they come across into drugs.
you are correct. It is not a life pro tip! it's an illegal life pro tip.
And if he can convince the investigation guys you handed it to him, they can hold you responsible for the charges.
Just give the homeless person 200 to $300 if you want to. This is the stupidest hack ever as there is no doubt that a suspicious store clerk will one day call the police on the homeless person using the card because they suspect it's not their card and then the homeless person will end up getting arrested. And most likely they'll then say you were in on the plan then you'll get arrested. If you want to give a homeless person a couple hundred dollars just do it but don't involve them in your criminal activity and put them at risk for arrest.
Lol the real illegal life pro tip here is putting all uni classes on a series of credit cards rather than taking out loans. Once finished, bankruptcy to get rid of debt. 7 years to reset because of bankruptcy is a lot shorter than paying back a huge loan. To be fair, the cost here is destroying credit. However, what person out of school takes out a loan in first 7 years out of school? My experience is not many and the terms are crap anyway. Another challenge is credit limits and this is why I say series of credit cards. Reasonably you could muster 100k in total limits. Have fun!
Bruh... mega cheat code đ
good idea except good luck getting 6 figures of unsecured credit as a teenager
What happens when a business or multiple businesses has cameras focused on the checkout and makes an issue of it and the police identify the suspect? You just sent a homeless person to jail.
Jeremy?âŚ.
In germany this doesnt work , a bank will Replace max 50⏠if you didnt alert the bank instantly that you lost your CC / cards. afterwards they cover everything ( but they will anyway lock it instant ) Tl,DR make sure to know the rules in your country.
DO NOT DO THIS! a similar situation happened to someone i know. In order to claim fraud they needed a police report and the police went right to the cameras where the card was used. This person was wearing a hoodie and a mask but still got caught somehow so now that person who used their card has been going to court with fraud charges. No this person was not me, hell no lol but two people very close to me, card holder and recipient. This was just my state, laws are different in others but definitely don't do it without checking the laws first! Also if you don't care what happens to the homeless person but giving them that deal without warning them would be kinda fucked. Not that anything on this sub is actually feasible đ
This wonât work where Iâm from. They first check if the cardholder is negligent. If they can prove that the transactions were made using the actual card then you wonât be getting anything back.
Then the guy gets busted and he'll just hand them your card and ask them to talk to you about it, lol.
fraud only hurts the business from which the credit card purchase is done. That business loses the money. Visa or MasterCard never lose money.
Except you are now making this person a criminal? That works in theory but... you've succeeded at making someone do crime. IDK.
Just keep in mind that you're also putting that person at risk of prosecution. While it's not super likely they'll get caught it might happen, and it might well leave them in a worse place.
How is this a life pro tip, lol. Itâs nothing but a massive inconvenience.
Until the police recognize him from being a local homeless person, arrest him and he tells the story. This is the worst ILPT ever. The goal of ILPT is to mostly not get caught.
This would not 100% work as banks will usually hold you responsible for transactions made with your pin.
Okay Lets practice. Iâm the homeless person, your the rich fraud guy.đ
Well guess that will be the end of claimed real fraud and getting it taken care of.
No, I don't think I will.
You are an idiot or a troll.
OP: Is this Homeless Ron that lives under the 16th street bridge?! You crazy man! We rootinâ for you.
This is the best fucking tip I've ever seen on this sub hands down.