The DU Lounge

It is tough to stay ahead of these people who spend all their time trying to defraud people. But two-step security makes it much more difficult as they have to control your phone or email account simultaneously (the access code provided on the account is also only good for a specified amount of time - usually 10 minutes or less). Your credit card company also provides notifications where you can receive an email or text message for transaction amounts specified by the user. The usual practice of these thieves is to sneak through a very small charge or purchase to check on your account diligence. If this happens on your account, it is only a matter of time before larger charges or purchases appear (change the password and get a new card immediately).

Make sure you use security software on all your devices (phones, laptops, desktops, tablets). We had somebody or group download a keylogger on our laptop where they were able to see or download images of accounts, passwords and CC information. It was a nightmare to get it straighten out as we were accessing a bunch of accounts to do home improvement projects. We had to get all new credit cards and changed the accounts, passwords and added two-step security to every account.