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Hi, have you ever met credit fraud in your life?  Do you know how does it work and how can you prevent it? Would you like to know more strategies to protect your personal information? On this website, you can learn lots of things through websites, videos, and images. I'll talk about how the hacker does to steal your personal information. I'll also talk about the penalty of credit fraud and how can we avoid fraud happens. On the right side of the wall is about my reflection and some personal opinion about this topic. I hope you can enjoy my wall :)

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This website talked about Credit card fraud is identity theft and usually go hand-in-hand. It related to organized crime and happened in Canada which could impact the economy. There are many types of credit fraud, including counterfeiting which means a copy of your credit card information to fraud. Besides, it can also be not present like through the internet, phone or email without physical credit card required. Also, someone who lost or stolen the credit card is at high risk of credit card fraud. As the internet develops, people will also use specific software to steal credit card information. According to the criminal code of Canada states, people who have a conviction of credit card fraud, he will have heavy fines and upward of 10 years in prison.

This website was written by the criminal law team, so they provide the service for people who have been charged with credit card fraud. If the person was under investigation for credit card fraud, the federal prosecutors will not compromise with you because the fraud is huge for banks and the economy. This website also talked about what kinds of behavior would be considered as criminal and broke the law, like steal or forge a credit card, or you use a credit card that you know it has been revoked or cancelled.  This website can prevent you to get any criminal action of credit fraud.

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Toronto Credit Card Fraud Criminal Defence Lawyer

Credit Card Fraud is the general term used to describe the usage of debit or credit cards to fraudulently acquire legal tender or goods. It is closely tied to identity theft, as the two often go hand-in-hand. Credit card fraud is a very serious crime as it is often associated with organized crime, and happens on such a wide-scale in Canada as to have an impact on the economy. Persons who commit these types of fraud may find themselves being investigated by federal authorities, the RCMP, or CSIS.
Common types of debit & credit card fraud:

Counterfeiting: the duplication of authentic credit cards for the purpose of fraud

Providing false information to obtain credit cards through the mail

Card Not Present: the unauthorized use of credit card information for fraud over the internet, phone or email

Lost/Stolen: the unauthorized use credit cards after being lost or stolen

The usage of equipment or software designed to steal credit card information, PIN#, etc.

Identity Theft: the obtaining of financial & personal information of another individual for assuming their identity for fraudulent purposes

Regardless of the level of involvement in this type of fraud, every individual facing these charges will need to be represented by a highly qualified criminal defence lawyer with extensive experience in dealing with these allegations and to offer support during the investigation.

Penalties for Credit Card Fraud in Toronto

For a conviction of Credit Card Fraud, you could be looking at heavy fines, and upwards of 10 years in prison. This will also gain you a criminal record, limiting your ability to travel, find gainful employment, your freedom, and cause damage to your professional reputation.

The Criminal Code of Canada States regarding Credit Card Fraud:

342(1) Theft, forgery, etc., of credit card
342(1) Every one who:
(a) steals a credit card,
(b) forges or falsifies a credit card,
(c) has in his possession, uses or deals in any other way with a credit card that he knows was obtained
(i) by the commission in Canada of an offence, or
(ii) by an act or omission anywhere that, if it had occurred in Canada, would have constituted an offence, or
(d) uses a credit card that he knows has been revoked or cancelled
is guilty of:
(e) an indictable offence and is liable to imprisonment for a term not exceeding ten years, or
(f) an offence punishable on summary conviction.

Have you been accused of or charged with Credit Card Fraud?

When Financial Institutions are Defrauded

When financial institutions have been defrauded, Federal agencies get involved. If you have been charged or are under investigation for credit card fraud, be aware that federal prosecutors will be unwilling to negotiate or compromise with you, as this type of fraud represents huge losses to banks, and the economy. Also credit fraud gets widespread media attention focused on exposing individuals involved in financial crimes.

If you have been charged with credit card fraud it is vital that you contact one of our criminal defence lawyers right away. Following your initial consultation, we will advise you on how best to move forward with your case, and inform you of what to say and not say to investigators. Our goal is to build an effective defense as well as carry our a plan to defend your rights and achieve a favourable outcome.

Our Toronto legal team of Bruce Karten & Stephen Hebscher offer 60+ years of extensive experience defending against fraud charges and will review the evidence surrounding your circumstances to determine how to best proceed with your case - seeking to have your credit card fraud charges dismissed, reduced, or withdrawn completely. See what our other clients are saying about us. We can help you too! Give us a call for your Free Consultation.

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Penalties For Credit Card Fraud " Criminal Law Canada

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Toronto Credit Card Fraud Criminal Defence Lawyer Credit Card Fraud is the general term used to describe the usage of debit or credit cards to fraudulently acquire legal tender or goods. It is closely tied to identity theft, as the two often go hand-in-hand.

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This is an Ontario official website that talked about the credit report and the related laws, and also mention how can we prevent identity theft and avoid credit card scams. People can only pay a $5 dollar alerting service to a consumer reporting agency. This service provides verify the identity of when you’re using the credit card. Once people get the alert, they need to take steps to verify the identification and make sure it is the cardholder before process any type of transaction. Besides this, people need to avoid credit repair scams like some companies said they can remove your negative personal information like bankruptcy if you have the fee. However, this is an illegal service in Canada.

I like this website because it talked about how to avoid not only credit fraud but also credit repair scams. Compare to others website, this website shared the information that I didn’t know before, the alert service and also the credit repair scams, and these information are really useful! We all know it is very important to keep a good credit score which can impact our loan, buying a mortgage and so on. No one would like to have a bad score in our life. However, we should know that credit repair scam illegal. Usually these companies will ask your large payment and said that they can improve your credit before they looked at your report, this action is illegal. Also, remember all credit repair companies have to provide a written contract with you. If you would like to know more information about this, please click this website.

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Overview

A credit report includes:

your name, age and address

your job and where you work

what debts you have

your paying habits (e.g., do you usually pay on time or are your payments late, do you only make minimum payments)

A credit report does not include:

a bankruptcy discharged more than 7 years ago, unless you have declared bankruptcy more than once

the payment or non-payment of taxes or fines after 7 years

convictions for crimes after 7 years

criminal charges against you that were dropped

Credit reporting agencies

Consumer reporting agencies create and maintain credit reports. They collect information from various sources, like banks, credit card companies, mortgage companies and other creditors.

In Ontario, there are two major consumer reporting agencies:

Agencies must register with the Government of Ontario.

The law

In Ontario, the Consumer Reporting Act sets out:

what a consumer reporting agency can report

how a consumer's credit report can be used

when someone can request credit report

what consumers can do if their files contain any information that is wrong or incomplete

The Consumer Reporting Act recognizes that businesses, landlords and employers need to have correct information. At the same time it ensures:

that agencies collect, maintain and report your credit and personal information responsibly

your right to know what is being reported about you and to whom

your right to correct information about yourself that is inaccurate

A person who is found guilty of knowingly providing a consumer reporting agency with false or misleading information could be fined up to $25,000 or imprisoned for up to 1 year, or both. A corporation that is found guilty of the same offence could be fined up to $100,000.
Descriptive transcript: Know Your Rights: Credit Reporting
Who can request a copy

By law, consumer reporting agencies must get your consent before they can share a copy of your report. They can provide a copy of your credit report to:

lenders and creditors

insurance companies

landlords

potential employers (e.g., to assess applications for loans, lines of credit, insurance, apartment rentals or employment)

If a person denies you credit or increases a charge or fee - and if you request it within 60 days - you must be told:

the nature and the source of the information

the name and address of the consumer reporting agency reporting the information

Free credit check

We recommend that you check your credit report at least once a year. Nothing in your file should be a surprise to you.

To get a free copy of your report, contact:

You may want to contact both agencies because they might have different information on file. Your credit history and personal information must be easy to read.

If your credit report includes any information that is wrong or is not familiar to you, it could be a sign that an identity thief is using your personal information.

Correcting errors

To correct information in your credit report that is inaccurate or incomplete, you:

can ask the consumer reporting agency to correct the error

may need to give proof to the agency that the information is not correct

may ask the consumer reporting agency to notify anyone who received a copy of the incorrect report in the past 6 months to 1 year (depending on the type of information that was corrected)

Once the error is corrected, the consumer reporting agency must notify anyone who received a copy of the report that had the error in the past 60 days.

If your problem is still not solved, see the steps to file a complaint with us.

We will ask the consumer reporting agency to provide more details about your complaint, and may order corrections on your file. We must have your written permission before your personal file can be accessed.

Prevent identity theft

If you want to be cautious, you can also pay a fee and get an alert to be included in your credit file. This alert warns a person to verify the identity of anyone who claims to be you.

A consumer reporting agency must put an alert in your file if you ask for one.

Consumer reporting agencies may charge a maximum fee of $5.00 to include this alert in your file. They must give this alert to anyone who receives information from your file.

When a person receives this alert, he or she must take reasonable steps to verify that he or she is actually dealing with you before proceeding with certain types of transactions, like:

extending credit or loaning money

entering into a rental contract for housing or an employment contract

underwriting insurance

An example of a reasonable step that a person might take to verify that he or she is actually dealing with you is contacting you at the telephone number that you provided to the consumer reporting agency.
What to do if you're a victim of identity theft
Avoid credit repair scams

Be wary of companies promising to "fix" bad credit.

Some credit repair companies claim that they can get negative information ( e.g., a bankruptcy) taken away from your credit report if you pay them a fee. Fees are usually large and paid in advance of any service, which is illegal.

Be aware that:

it's illegal for credit repairers to accept advance payment or to charge a fee unless their services lead to a real improvement in your credit file

it's illegal for credit repairers to say that they can improve your credit file before looking at your consumer report

credit repair companies must provide you with a written contract

you have a 10-day cooling-off period to cancel a contract for credit repair services (this 10-day period starts when you get a copy of your contract)

you can take a company to court if you cancel a contract during the 10-day cooling-off period and they don't refund you for any money that you have paid them

it's illegal for credit repairers to make false or misleading claims

Maintain good credit

The only way to improve a poor credit rating is to pay your debts and allow time to pass to show that your payment habits have improved.

Having a good credit record may make it easier for you to get a loan, a credit card or rent an apartment.

Here are some tips for maintaining good credit:

always pay your bills on time (if you have a reason for being late with your payment, let the company know)

don't go over your credit card limit

don't apply for credit too often

understand the total cost of everything you buy and add up monthly charges

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A credit report includes: your name, age and address your job and where you work what debts you have your paying habits (e.g., do you usually pay on time or are your payments late, do you only make minimum payments) A credit report does not include: a bankruptcy discharged more than 7 years ago, unless you have declared bankruptcy more than once the payment or non-payment of taxes or fines after 7 years convictions for crimes after 7 years criminal charges against you that were dropped Consumer reporting agencies create and maintain credit reports.

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This website talked about general information about the debit& credit card fraud. It introduces some common ways of fraud like a phone call, skimming app, card skimmers. Scammers usually will call you and say you bought something and ask for all of your personal information especially your card. The card skimmers usually happened at ATM or gas station. Besides this, this website also teaches people how to protect yourself like hide your PIN, insert your car first instead of swiping when you paid. At the end of the articles, there are 4 steps of what you can do when you meet credit fraud in Canada.

I choose this website because I really agree with the way that this article provided to readers about how to solve the credit fraud problem. As this article said, when people meet a credit card fraud in Canada, we need to report it to the bank and explain how does it happen.  Someone like me maybe worried about we have to pay the large fee when we get the bill. But don’t worry about it, the credit card company will lock the card immediately and will not ask you to pay the fraud. This website also suggests people contact with credit bureau because the credit card fraud may cause a negative credit score. I want to thank you for this website. I didn’t know it before! If you meet the credit fraud recently, please click this useful website and see what else you can do!

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Last Updated on

Credit card fraud - it happens in Canada more than you think.

Sure, credit cards make life easy and are a convenient and safe method of payment that's accepted all over the world. But these days, credit card fraud is on the rise in Canada, and savvy consumers need to be in the know.

Even if you've never been a victim of credit card fraud, you've no doubt heard of it before and should get the 411 on how to prevent it. Because the last thing you need is the hassle of being scammed by fraudsters.

But what is "credit card fraud" exactly? Credit card fraud occurs when someone steals your credit card or your credit card information along with your PIN, and then uses it to make a purchase or withdraw money without your permission. The result can be devastating - not only in terms of having your accounts drained of your hard-earned moolah, but also because credit card fraud can negatively affect your credit rating and possibly lead to the even more serious crime of identity theft.

Here's what you need to know about credit card fraud in Canada and how you can better protect yourself against it.

The Best Canadian Credit Cards for Fraud Protection

The good news is that every bank and credit card in Canada has fraud protection, though some make it a little easier to keep track of than others.

One of the leading banks right now in terms of innovative credit card fraud protection is TD Bank, which now offers fraud alerts for both debit cards and credit cards.

"TD Fraud Alerts are texts that notify a customer if TD detects suspicious activity made with their TD Access Card on their personal banking accounts, or possible suspicious transactions made with their TD Credit Card," says Julie Bellissimo of TD Bank Group. "Customers can reply to the alert with a simple 'Y' or 'N' to confirm whether they recognize the transaction and TD will unblock or block their TD Access Card or TD Credit Card accordingly, based on the response."

"TD will never ask a customer to reply to a Fraud Alert text with any personal information or ask customers to click on any links in their reply."

Impressed? With the TD Cash Back Visa Infinite* Card, In addition to fraud alerts, for a limited time, you'll earn an amazing welcome bonus, where you can earn 10% in Cash Back Dollars on all purchases for the first 3 months ( up to a total spend of $2,000). Plus, pay no annual fee for the first year. After the promo ends, get 3% in Cash Back Dollars on eligible grocery purchases and gas purchases, and on regularly recurring bill payments set up on your account. Earn 1% Cash Back Dollars on everything else.
Card Details:
Learn more about the TD Cash Back Visa Infinite*.

Another great option is the Tangerine Money Back Credit Card. With Tangerine, cardholders will receive Orange Alert emails to keep you up to date on what's going on with your bank account; an easy way to spot any unusual activity.

Finally, RBC credit cards, such as the RBC Visa Infinite Avion, are also worth your consideration. RBC has recently given their clients the power to temporarily lock their credit card through a handy RBC app if they notice their card is MIA.

Common Credit Card Scams in Canada

Unfortunately, there is no shortage of credit card scams in Canada, and new ones constantly pop up like a deranged whack a mole game. While some are obvious scams ("Hi, it's Bill Gates from Microsoft calling..."), others are more convincing and can easily suck you into their scam. These are a few of the more recent credit card fraud scams in Canada to keep on your radar:

Phone call from the "fraud department": Scammers call you, pretending to be from the security and fraud department of your credit card company. They will flag a fake purchase and ask for all of your card details.

Card skimmers: plastic machines often attached to card readers at ATMs or gas pumps. They have the same scanner as the actual card readers and can be hard to identify.

Skimming App: As well as the skimming machine, there is now a skimming app that can read your credit card data. To get it to function, the NFC antennae in your smartphone needs to be very close to the card (about 10cm); however, it can still read the numbers through purses or pockets.

On top of these annoying scams, remember to be alert for the usual suspects: fake phone calls from collectors at the Canada Revenue Agency (CRA) or a supposed family member in need, donation requests from faux charities, and telemarketing scams.

How to Protect Yourself from Credit Card Fraud

Never lend your card or disclose your PIN to anyone else (obviously!).

Always insert your card first, instead of swiping when making a purchase. This will protect you from having your card skimmed and, if the store terminal isn't chip capable, it will prompt you to swipe.

Make sure that you don't use an obvious PIN that someone can guess. This means no birthdays, addresses, telephone numbers, or other favourite digits that someone could guess.

Memorize your PIN: don't write it down and stick it in your wallet. That's like leaving a backdoor open for a robber.

Hide your PIN: use your shoulder or your hand to shield your PIN when entering it into the keypad.

Always know where your cards are and be mindful when using them. Watch for any double swipes and don't let anyone distract you at an ATM. You should also check over the statements when they come in and keep tabs on your card activity online or through your banking app.

Shred any bank statements or personal documents before throwing them out. Leaving them open in a recycling bin is just an invitation for disaster.

Be wary about giving out your digits over the phone: Unless you've made the call, don't give out your credit card number or any other sensitive information over the phone. The person may sound convincing and claim to be from a legit company, but it's better to be safe than sorry. Get their info and tell them you'll call them back. Then check it against what's listed on the company's official website.

Use credit cards with enhanced security features: Oh the good old days of swiping your card and signing a receipt! Nowadays, chip and PIN technology offer a more secure way of protecting your credit card from fraud. If you don't have this on your current credit card, make a quick call and get a replacement.

What To Do If You're a Victim of Credit Card Fraud in Canada

Despite all your best efforts, it can happen. If you suspect that you are a victim of credit card fraud, there are a series of steps to take to protect yourself, your savings, and even your credit score. Whatever you do, don't dawdle - get on the situation ASAP.
Step 1: Report it to Your Bank or Credit Card Company
Whether your card has been compromised, stolen, or lost, it needs to be reported to either your bank or the credit card company ASAP. They will be able to then put a block on the card so that it can no longer be used.
Step 2: Get in Touch with Your Credit Bureau
Credit card fraud is not only damaging in terms of losing money, but it can also have a negative impact on your credit score. If you are a victim of credit card fraud you will need to contact both Equifax Canada and TransUnion.

Please note that there is a $5 processing fee and you will be asked for a credit card number. Since yours is likely out of commission, in this case, ask a family member or a friend if you can use theirs.

Toll-free number for Equifax: 1-800-465-7166

Toll-free number for TransUnion: 1-877-525-3823

Chances are that your stolen credit card won't be a top priority for the police, but making a statement is still required - and important! Firstly, it serves as an official record of identity theft, which will be very beneficial if the fraudster goes further than making a bunch of purchases on your credit card. Secondly, it can be helpful to police in terms of identifying fraud schemes and protecting the public.
Step 4: Inform the Canadian Anti-Fraud Centre
The Canadian Fraud Centre is partially managed by the RCMP and should be notified on any fraudulent activity. You can contact them at 1-888-495-8501.

Credit card fraud is more common than we would like, and it can be super annoying to deal with if it happens to you. Following a few simple tips and tricks, you'll be well on your way to better protecting yourself from fraudsters.
The Best Credit Cards by Category:
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Credit Card Fraud in Canada and how to Protect Yourself

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Last Updated on Credit card fraud - it happens in Canada more than you think. Sure, credit cards make life easy and are a convenient and safe method of payment that's accepted all over the world. But these days, credit card fraud is on the rise in Canada, and savvy consumers need to be in the know.

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Here is a piece of news in Toronto about a woman whose credit card has been stolen and the thief used her card to spend $40,000 from Scarborough to Mississauga. Luckily, she got almost all the money back from the bank. As we know, there are lots of identity theft in Toronto now. As the Toronto police said, it would be worse once the identity theft guesses your PIN, because lots of people use the same PIN for others card or personal information. In this piece of news, the Toronto police office suggests everyone should have different PIN for each card.

I choose this piece of news on my wall because I want to aware people of how terrible if our credit card was stolen and used by someone.  I also very agree with what the policeman said on this website. Lots of people like me usually will use the same PIN on our cards, mail, social media apps because we think it is easier to remember. However, it put us at a high risk of credit fraud. If someone knows our PIN, the only thing he needs to do at the next step is getting our card number which can easily found on our bill. I hope people who read this news can become more careful and try to use the different PIN or change your PIN every three months.

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Police have revealed how thieves are spending thousands of dollars from stolen credit cards within hours after another victim came forward claiming he was targeted while enjoying lunch with friends.

Mississauga resident Domenic Sicilia said he was at JOEY at Sherway Gardens on Sept. 3 when his wallet was snatched from his bag that was hanging on the back of his chair.

"I went inside, sat at a table and my buddies were facing me. We order food and talk and then I notice my bag is missing," Sicilia told CTV News Toronto on Friday.

"We called the manager over and he checked the cameras and when he came back he told me my bag was stolen."

"I look at the video and this couple walks in, comes and stands directly behind me by the bar. You can see the guy looking at the back of my chair, then slowly comes closer."

An image of a credit card is seen above. (File image)

"I lean over, cut my chicken, and then the man steps in, grabs the bag and leaves. Within an hour, things are getting hit everywhere."

The 57-year-old said $40,000 was spent from "Scarborough to Brampton to Mississauga" in only a few hours. Among the charges was $7,000 at Apple, $3,800 at Microsoft, $980 cash advances on at least five credit cards and thousands in separate transactions at gas stations.

Sicilia said while the bank has refunded almost all the money, he's now worried about identity theft.

"It's terrible, it's a massive inconvenience," he said. "They have my address they know where I live."

Earlier this week, a Toronto man said he lost $30,000 in 30 minutes after his wallet was stolen and taken on a spending spree at Yorkdale Shopping Centre.

A businessman working in Toronto's financial district said he was scammed $19,000 in 27 minutes after his was pickpocketed on the way to lunch.

Toronto police Insp. Peter Callaghan, with the financial crimes unit, told CTV News Toronto on Friday that these thefts are part of organized crime rings.

"Organizations that one time would be involved in other crimes like violent crime and robberies are doing this," Callaghan said.

"This is a better target because they get a quicker return on their work. As soon as they have the cards they head to places and go until the cards stops."

"It's organized crime. They are making a lot of money doing it and the disincentives are low."

"Once they guess your pin, they're in. And a lot of us have the same pin for everything."

Callaghan said the thieves spend money at stores that will not raise suspicion from employees.

"There is thought that goes into this," Callaghan said. "They're not stupid, they realize, for example, it's a good time to go to Apple."

Police said the thieves go to stores where they will not raise the suspicions. (File photo)

"It's not unusual for people to get a new iPhone. Even buying multiple phones wouldn't draw notice of the employees because lots of people are buying them."

"They come in and buy a computer in September, maybe saying a child is heading to university. Those things aren't going to necessarily attract attention of employees."

Callaghan said police haven't seen an uptick in these financial crimes but "unfortunately it happens frequently" and people need to take the proper precautions.

"We've all heard the crime prevention things to do and sometimes they're inconvenient but those inconveniences are there to protect us and we have to accept that."

"If you have multiple cards you should have multiple pin numbers."

"Most financial institutions and cellphones allow you to set up notifications on your phone so every time you make a transaction it comes up."

"At the very least people could see when the spending starts and shut down their cards."

"But it's a tough issue and we appreciate that."

Major credit card companies have zero-liability policies for customers. (File image)

In Canada, major credit card operators, like Mastercard and Visa, have zero-liability policies to protect customers from fraud.

"Banks in Canada take all types of frauds and scams very seriously and will usually make their customers whole if they are victims of debit or credit card fraud," Mathieu Labrèche, a spokesperson for the Canadian Bankers Association, told CTV News Toronto.

"Customers who think they have been a victim of credit and debit card fraud should contact their bank immediately, as well as their local police and law enforcement."

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Police reveal how thieves are quickly spending thousands off stolen credit cards

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Police have revealed how thieves are spending thousands of dollars from stolen credit cards within hours after another victim came forward claiming he was targeted while enjoying lunch with friends. Mississauga resident Domenic Sicilia said he was at JOEY at Sherway Gardens on Sept.

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This video was published by CBC and it’s a TV show that the journalist went to everyone’s house to tell them their personal information has been leaked. This video introduces a scam called “lower-interest scam’’ which means scammer would pretend as a bank employee and tell them the company has a special credit card plan which has a lower interest. And all victims in this video believed that it was a call from the real bank or a credit card company. If you watched the video, you can see the scammer will ask victims to speak out their credit card number or last 4 digital SIN number to pretend to verify their identification. As CBC news data, there are 3,000 victims from just one call center. These people didn’t know they were victims of the credit card fraud until they were on this show.

This video is very useful and lets me know the scammer has lots of new ways to steal our personal information. As more and more people become cautious, the scammer has to pretend as a real bank and if you told with them, you will notice they will process almost the same thing as a bank which makes people more easily trust them.  The only thing different that scammers did in this show was to ask the client’s credit card number. If you had called the real bank like RBC, usually the bank will ask you to enter your credit card number on the phone and then wait for people to help you. Even when the bank employer received, they will ask some security questions to identify if you’re the cardholder.

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Identity theft: How criminals use a low-interest credit card scam to steal from you (Marketplace)

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This is a video from the city news Toronto and happened in 2017. The Toronto police arrested two men who stole $10 minion from Canadian people and even Canadian institutions. These two men use 37 credit cards to fraud and stole hundreds of mails and they have about 5,000 GTA resident’s personal information. These two men wear flashy clothes and bought luxury products and show off on social media. It is a massive GTA fraud ring and had been broken up by the Toronto police. As the latest news, the third person also had been arrested.  If you would like to know more information, you can click the video!

Although this video didn’t provide lots of useful information,  I still chose it because I hope people who read my wall can notice that there are many credit frauds in our society now. It’s unfair to see the people who steal personal information to satisfies their needs. All scammers should be punished and if you notice in this video, the police officer was also warning people to protect their credit card carefully and change PIN frequently if you can. Credit fraud is not just a personal action, it can be a group, an organization, so that’s why we have thousands of victims in Toronto.

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The reason I choose this image because I think it looks funny but also very reality. Nowadays, most credit or debit fraud cases are through the internet and usually happen on online shopping.

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I choose this image because credit fraud also very common in our daily life. It can happen at a shopping mall, gas station, restaurants and so on. So, we need to be very careful and never let our credit card to someone even your family and friends.

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Q1: What did you learn about your topic that surprised you the most?

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Q1: What did you learn about your topic that surprised you the most?

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There are many things surprised me. The first thing I learn is how to protect my personal information to avoid credit fraud. I knew some ways before I made this wall. But now, I learned new ways like buying an alert service or do not use the same PIN on my personal information account. I also learned the step of dealing with the fraud like calling to the local police and contact with my credit Bureau and also inform the Canadian anti-fraud center which are all new information for me. Last, I also realized that not every fraud could give the money back because we all have responsible for protecting our personal information.

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Q2: Provide a real-life example of how this topic is relevant.

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Q2: Provide a real-life example of how this topic is relevant.

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I would like to share my personal experience. One time, I got a text message from a fake " Fido" and said the company was overcharged my bill last month, and share an e-transfer link to me and ask me to deposit the money. I clicked the link and it was exactly the e-transfer link that I saw before, like real. But I thought maybe it is scram and just closed it. After a few days later, I got the message again and think about maybe it is true. So, I clicked the but was very confused because the link asked me to input my credit card number. Finally, I realized it was a fraud so I blocked the person.

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Q3: If you could pass on your knowledge to a family member or friend, what do you think is the most important thing to pass on?

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Q3: If you could pass on your knowledge to a family member or friend, what do you think is the most important thing to pass on?

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The most important thing I would like to share with my family and friends is how to protect their personal information. I'll tell my family does not save any card information on the website like Amazon. Like the last month, when my mom ordered on Amazon, I notice that their system will automatically save my mom's credit card information which means she doesn't need to provide her card number when she was buying. It looks convenient and saves time, however, it is not safe and when the data leak happened, it must have lots of credit fraud at that time.

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This video was also published by CBC and invited the CEO of Credit Canada to talk about how to avoid credit fraud. She mentioned the importance of credit score. The CEO of Credit Canada said the victim of credit card fraud have to call the bank first and need to prove to the bank that it wasn’t you.  The lady also said sharing the card to the family numbers is putting yourself at the risk. At the end of the video, the lady share 3 tips about avoid credit fraud. The first step is checking your credit rating regularly. Next, you need to limit the credit cards you have. Last, don’t share credit card information with anyone.

I really like this video. The video was short but very useful. I really agree with the lady said in the video. People should not share the credit card with the family number especially the kid. Nowadays, lots of people would like to use a credit card instead of cash, so when their child would like to buy something, the parents would prefer just to give them the credit card and usually the kid can just tap it without entering the PIN. However, it is at a higher risk of credit fraud, and when the credit card fraud happened, it may be hard to prove it’s not you.

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How to avoid credit fraud? - Laurie Campbell - CBC News

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CBC News Network's Andrew Nichols spoke with Laurie Campbell, CEO of Credit Canada, on how to protect your credit rating.

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A student from Vancouver lost his chequebook and he had six cheques without a signature. However, someone picked his chequebook up and use all six cheques which were $600 in total and pretend it was him to sign the name on it. The student told the TD bank that the signature was different from him, so he wanted to give the money back because it is a fraud. However, after review his case, TD bank was declined the student’s claim because the bank thinks he has responsible for exercising due diligence to protect the card and information. So, TD will not refund $600 to the student.

This video is very different from the others that I shared above and I think it is really useful. Some people might think if someone steals his card and puts the “fake” signature on it, he can still go to the bank to prove it that it wasn’t him and required a refund. However, even the signature was different from the cardholder, many people like me didn’t know that our bank still can decline our request because of the policy. According to the policy, every client should have responsible for protecting their personal information and it could consider as the client’s mistake.

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TD Bank refuses to refund student $600 in fraudulent cheques