https://padlet.com/kaylaliu0319/yaf1jkosme5x by Ke-Hsuan Liu en-us 2020-03-18 00:12:34 UTC 2025-12-25 16:21:32 UTC hello@padlet.com kaylaliu0319 https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/463868849 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 :)]]> 2020-03-18 00:13:36 UTC https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/463868849 kaylaliu0319 https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/463869011 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as criminal and broke the law, like steal or forge a credit card, or you use a credit card that you know it has been revoked or cancelled.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. 

]]> 2020-03-18 00:13:58 UTC https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/463869011 kaylaliu0319 https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/473772963 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.]]> 2020-03-25 01:18:49 UTC https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/473772963 kaylaliu0319 https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/473773449 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! 

]]> 2020-03-25 01:19:44 UTC https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/473773449 kaylaliu0319 https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/473773776 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. 

]]> 2020-03-25 01:20:18 UTC https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/473773776 kaylaliu0319 https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/473774502 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.]]> 2020-03-25 01:21:30 UTC https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/473774502 kaylaliu0319 https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/473774667 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. ]]> 2020-03-25 01:21:48 UTC https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/473774667 kaylaliu0319 https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/473774845 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. ]]> 2020-03-25 01:22:07 UTC https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/473774845 kaylaliu0319 https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/473775973 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.]]> 2020-03-25 01:24:11 UTC https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/473775973 kaylaliu0319 https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/473777822 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.]]> 2020-03-25 01:27:30 UTC https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/473777822 kaylaliu0319 https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/473778448 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.]]> 2020-03-25 01:28:37 UTC https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/473778448 kaylaliu0319 https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/473778650 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. ]]> 2020-03-25 01:28:59 UTC https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/473778650 kaylaliu0319 https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/473782440 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.]]> 2020-03-25 01:35:58 UTC https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/473782440 kaylaliu0319 https://padlet.com/kaylaliu0319/yaf1jkosme5x/wish/473782623 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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