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Forum Card Scam: Lenovo

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Rant, Website : January 29th, 2010
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About fifteen days ago I placed an order at Lenovo.com (UK store) for nice little IdeaPad S10-3T netbook. Or, at least I
thought I did. The ordering process failed multiple times, but hey – I want that netbook! On about the 5th go or so, success!
They accepted the order and I waited. ● Latest Releases
Comical 1.03;28
For ten days. YouChoob 1.11
Wake On LAN Ex 2 2.09
For nothing.
Wake On LAN Ex 0.96
Vista Midi Picker 1.00
On the ninth day, I contacted them and they replied on the tenth saying that my order wasn’t accepted. Erm, but it said it was? Nice. Ten
very impatient days waiting for something that was destined to never turn up. I tried ordering again, but continually got a different error of
Our server is under heavy load, please try again later. I gave up.
● Categories
While checking my online bank statement, I noticed there was a debit for £30 with the transaction ID of O2UK (Nelson) 01753 565969. I last
❍ Arts (6)
used my O2 phone 1.5 years ago, so this… ain’t good.
■ Food & Drink (3)
It appears I became the victim of fraud. For the second time. ■ Literature (2)
■ Music (1)
How Did It Happen? ❍ Entertainment (8)
I’m not entirely sure. There appears to be two current theories on why it happens, and continues to happen to hundreds – if not thousands – ■ Gaming (6)
of people every day. It’s a very common occurrence. For completeness, I’ve included an additional common method.
■ Television (2)

Compromised Server. The first theory is that the company you’re purchasing from has a server that is compromised in some way. This can ❍ Life (3)
be anything from logging software to an employee taking notes on phoned-in payments. I used the Dreamhost website (based in the US) for ■ Events (1)
the first time to place an order a few years back, and I got defrauded two days later. The same happened with Lenovo; my very first order
■ Thoughts (1)
with them and I got defrauded about fourteen days later. I’m inclined to say something about the payment process was compromised.
❍ Opinion (5)
This could all be a coincidence, but I use my card online quite a bit and have never had any problems. The ordering problems with Lenovo, as ■ Rant (4)
mentioned above, seem to make me think that it may not be a coincidence.

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BootBlock.co.uk » Blog Archive » Credit Card Scam: Lenovo

❍ Programming (3)
Sequential Numbering. This one sounds plausible until you actually think about it a bit. Someone, or a lot of someones, generate a huge
amount of valid card numbers (very easy to do, but they simply pass a verification check and nothing else) and test those numbers with a ■ .NET (3)
series of expiry dates and C2V numbers until they get a valid combination. ❍ Software (20)
■ Release (15)
There are reportedly 10 quintillion combinations if the long number and CV2 are taken into account (maybe ~10 billion actual usable
combinations due to the built-in checksum check digit). This makes the numbering method sound impossible. Even so, it’s apparently a much- ❍ Uncategorized (1)
used approach.
❍ Website (17)

Skimming. The oldest of the three listed methods and the only one that directly involves the physical card itself. ■ External Link (3)
■ Flash (1)
This can happen at a petrol station, a restaurant, or any other place that can hide your card momentarily from you for it to be swiped, or ■ News (8)
even right under your nose if it’s an ATM. A card reader (skimmer) is installed, possibly with a video camera to observe you inputting your
■ Support (1)
PIN, and made to look like part of the original hardware. Your card information (and any associated video) is stored for later retrieval.
❍ Weird (2)
In the case of a petrol station or restaurant, the card can be swiped without the card holder’s knowledge. For example, there could be a
swiping machine under the counter at a petrol station.
● Archives
£30? Why Not More? ❍ February 2010 (1)

The £30 mobile top-up is a test by the fraudsters to see if the card is valid, and if it is, it’s an amount small enough to hopefully go ❍ January 2010 (3)
unnoticed. Sometimes they will try and charge an amount equalling around 1 pence, with the reason being that some banks don’t actually ❍ December 2009 (2)
show such a small charge in bank statements; although the Unavailable and Available cash balances will reflect that change.
❍ November 2009 (2)
Why O2 or Vodafone? Because, especially in O2’s case, these two companies have very lax security and have no qualms with a customer ❍ October 2009 (2)
immediately using any new card with their account – there is no card-to-account association required. O2 – formerly BT Cellnet – have
September 2009 (3)
allowed this since the year 2000. It’s a fraudster’s card-verifying dream.

❍ July 2009 (2)


Once the card has been verified to be usable, the large transactions begin. The card gets absolutely hammered.
❍ June 2009 (1)

For informational purposes, the mobile top-ups are typically of the following variety: “O2UK (Nelson) 01753 565969“, “O2(UK)LTD ❍ May 2009 (1)
PREPAY“, “Vodafone CR Card TopUp“.
❍ April 2009 (1)

Are the Banks Doing Anything About This? ❍ March 2009 (1)

In a word, no. Some banks will alert their customers to any transactions that look suspicious, but they don’t appear interested in stopping ❍ February 2009 (3)
these fraudulent practices. Simply stated, it’s cheaper and easier for a bank to merely write off the lost money on their insurance than to do
❍ January 2009 (2)
a true investigation, despite having dedicated fraud departments.
❍ November 2008 (1)
O2 make significant amounts of money for any top-ups that are not eventually charged-back. They use the excuse that adding any additional❍ October 2008 (1)
security checks would make life more difficult for customers.
❍ September 2008 (2)

So, What Ultimately Happens? ❍ July 2008 (3)

You’ll notify the bank about the rogue charges on your account (do this immediately!) and they will contact O2 or whomever took the money
❍ June 2008 (1)
and then perform a charge-back, possibly requiring you to sign a form beforehand to confirm that it wasn’t you. You’ll more than likely get
❍ May 2008 (5)
your money back, and you’ll hear absolutely nothing about what the outcome was.
❍ April 2008 (6)
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BootBlock.co.uk » Blog Archive » Credit Card Scam: Lenovo

Further Information ❍ March 2008 (2)

Below are some choice quotes from the following thread from MoneySavingExpert.com. ❍ November 2007 (1)

❍ October 2007 (6)


Blah99 says…

“The cause of this issue is to do with how purchase transactions are validated by some retailers, and a piece of software fairly well ● Links
known in the fraud world. I won’t explain exactly what it is on a public forum, but it exploits how credit and debit cards are issued.
❍ Kev Blog
As you know, all credit and debit cards have the same structure of data on them. This is a common standard known as ISO7812, and it
defines how the data is structured and stored. Using certain techniques and software fraudsters are able to generate huge numbers ❍ President of the Internet
of card details, which they then use in test transactions to check validity.
❍ Retroleum

This is the cause of the O2 purchases people are seeing. Whilst it is possible that your card has been skimmed and this has happened,❍ The Wibble
it’s unlikely. A known working card wouldn’t be used against a tiny test transaction – it would be hit for a significant amount,
because it’s “known good”.

Search
The bad news is that you have to get your card changed (so that the account number etc changes). The good news is that this is not
identity theft, and people aren’t running up charges on your credit that you can’t see.” ● Link Me!

Snarf999 says…

“The guy from MBNA said that this kind of activity is known and is usually from a brute force attack, trying as many credit card
numbers as possible until one works.”

Like-a-Dream says…

“A Bank manager admitted to me that fraud was already so high the banks don’t want the public to be aware so they try and hush-up
the extent of the frauds.”

Feel free to buy me a beer if you like this post!

42 Responses to “Credit Card Scam: Lenovo”

1. jake Says:
January 30th, 2010 at 23:27

I use a virtual visa credit card to pay for products online or on the telephone, it’s much safer. PC world mag. November issue has info
on it.

2. BootBlock Says:
January 31st, 2010 at 10:12

I’ve wanted a virtual card for a long time, but I thought it was something I just made up and didn’t actually exist. Thanks for the info –
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I’ll check it out.

Unfortunately, I think I was a victim of random card# checks. I’ll rewrite the post to go more into the details…

3. jake Says:
January 31st, 2010 at 23:42

Page 35 36. Here – http://www.mediafire.com/?hz1kemedzni

4. Shane Says:
February 1st, 2010 at 10:41

I’ve just had the same thing happen to me this morning, noticed the O2UK (Nelson) 01753 565969 transaction on my account

5. bl0ke Says:
February 1st, 2010 at 13:20

A virtual or pre-paid card is very useful, but will not stop this specific kind of top-up fraud. If valid numbers are being generated and
tested then you are just as likely to get hit on a virtual card than on a real one – the difference being that the virtual/pre-paid card is
far more likely to have nothing on it if you only load it just before you are due to use it.

God damn I hate thieves – and that’s all these bastards are.

6. BootBlock Says:
February 1st, 2010 at 13:33

I have three bank accounts (I stupidly listened to someone when I got hit the first time), but have sent a written confirmation to
cancel the two that I don’t actually use to reduce my “surface area of attack”.

Knowing that these people are getting money out of accounts due to random number generation is very scary.

I’m having to check my account every (other) day now, but because I associate BAD THINGS HAPPENING (since the first time) when I
check my account, it’s like I get anxiety or something while I wait for the page to load.

All I can do is just hope I’m (un?)lucky enough to not win the Fraudster’s Lottery again.

7. bl0ke Says:
February 1st, 2010 at 14:33

That’s a sound idea and I did exactly that for the same reason – I now only have one credit card and one bank account with an
associated debit card.

I buy everything online on my credit card and pay it off using my debit card to avoid interest. Using a credit card means it’s the bank’s
money at risk, not mine, so they’re far quicker to chase it up.

I’m checking my account every day or so as well – it’s easier to identify transactions you did make if you only have to do a few at a
time, rather than a whole month’s worth.

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8. alli_m Says:
February 2nd, 2010 at 22:39

I just notice that the O2UK (Nelson) 01753 565969 transaction on my account. Are u using Halifax too??

9. bl0ke Says:
February 3rd, 2010 at 12:01

@alli_m – It affects all banks. Halifax are apparently pretty good about it tho, so give them a call and shout at O2 for some stress relief
as well.

10. Rob Says:


February 11th, 2010 at 21:47

I got scammed two years back in a fairly similar way, Bulldog broadband were the wankers in my case. Some thieving git took a
cancellation fee over the phone (sounded totally dodgy he did) and then fucked off with the card details and topped up his oyster card
and bought a load of stuff. Bank actually alerted me first (Lloyds) and then sorted it within a matter of minutes. Money was credited
back and the card was cancelled. Had to sign a letter they sent out ack’ing that it wasn’t me.. Then it were done.

Twatty bastards they are.


You missed a bit from the post, did you actually get your netbook in the end?

11. Patrycja Says:


February 12th, 2010 at 11:17

I never used lenovo site but have the same problem.


O2UK (NELSON) took from my account 10 pounds. I’m using o2 but normal transaction have named O2(UK)LTD PREPAY. Did You know
already what’s this O2UK (NELSON)? What I should to do now? Go to bank and block my account and ask about new card?

12. BootBlock Says:


February 12th, 2010 at 13:01

@Rob
Didn’t get the netbook in the end. I’ve been checking their ordering process every few days to see what options they are giving with
the IdeaPad (as it’s woefully incomplete compared to the Merkin shop) and it keeps changing. This morning all of the options
disappeared – not that it matters as I’d never use their ordering system anyway.

The UK arm of Lenovo are a bunch of useless cretins.

@Patrycja
If you’ve got a monthly contract with O2 and the NELSON transaction appeared before your billing date is due, then there’s a chance
that it’s down to fraud.

If you’re not sure, give O2 a call and see if you can determine if that transaction was of your doing.

If it wasn’t, tell O2 you’ll be contacting your bank to get your card cancelled – they’ll probably tell you to do this anyway. The person I
was speaking to was extremely helpful and made notes of everything.

Then go to or phone your bank and get your card cancelled so they can send you a new one. The cancellation of the card is immediate,

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so use it before phoning the bank if you absolutely must make a payment. Then cancel it ASAP after the money for the payment has
been taken.

No need to do anything to/with your account as that’s entirely fine.

13. Marion Says:


February 14th, 2010 at 10:35

I too noticed an unexplained withdrawal on my debit card statement for 02UK (NELSON). My bank investigated and said they were
unable to take this up as a fraud case as I had provided my card details. I now have a new debit card.

14. Zim Says:


February 15th, 2010 at 15:24

I have had this too, with the same O2UK (NELSON)transaction.

It seem that all these transactions could be linked in some way. As they have all happened round about the same time.

I am just wondering if any of you have ordered from the same place recently ?

The last few places I have ordered from has been Amazon Market place and pay-pal.

I just really need to know how these people have gotten my details, I am usually very careful.

I have already been to my bank had the card canceled and hopefully Ill get my money back.

15. bl0ke Says:


February 15th, 2010 at 21:20

@Zim It’s unlikely that your details have been leaked – credit card numbers can be calculated (even the owner of this site has written
a generator) because they conform to an open standard. Once you calculate a number, it’s easy to find a valid expiry date.

Once you have these numbers, all you need is a site with lax credit card validation and such as the O2 website, and you can spend on a
card you do not physically possess – it’s as bad as that.

16. john Says:


February 16th, 2010 at 09:42

I have just had o2UK Nelson come up but i did top up £10 a couple of days ago ? HELP? PLEASE?

17. BootBlock Says:


February 16th, 2010 at 10:26

@john Determine if that Nelson transaction is down to you (for example, by phoning O2). If it isn’t, then call your bank and cancel
your card and you should be issued a new one.

The bank should then refund the £10. What happens after that? To us, the victims, nothing. I never got contacted by my bank even
after they said they would phone me about the status of my incident. Hmm. Seems fairly typical – this sort of thing happens all the
time and they ain’t doing crap about it.
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18. john Says:


February 16th, 2010 at 16:15

Just got this reply from o2,

Good afternoon (my name)

Thanks for emailing us to know if the deduction for the Top-Up with the name ‘O2UK (Nelson)’ is normal.

(my name), the deduction for the Top-Up with the name ‘O2UK (Nelson) is normal. I hope I’ve clearly explained this to you and have a
nice day. For further details about O2, please visit our online Help Centre at: http://www.o2.co.uk/help

Kind regards Sabrina


O2

Customer Service Telefónica O2 UK Limited, Registered in England No 1743099. Registered Office: 260 Bath Road, Slough, Berkshire
SL1 4DX.

19. BootBlock Says:


February 16th, 2010 at 17:21

@john It’s normal, but the question is – did you make that purchase yourself?

Having any of the O2/Vodafone/etc IDs on your statement doesn’t mean you’ve been defrauded unless you know for a fact that you
didn’t make that purchase/payment.

20. Little_Lady Says:


February 16th, 2010 at 23:24

I too have been scammed by the O2 Nelson £30 transaction on my account today. I googled the number and came across your posts. Im
going to my bank in the morning to have the card cancelled – this is the 2nd time Halifax have let a fraudulent transaction though. So
frustrating.

21. Lizziespangles Says:


February 17th, 2010 at 08:26

I am currently on the phone to stop my card as I just saw a fraudulent transaction for £30 from this O2 Nelson. I am not with )2 and
noticed it immediately. I am stunned as to how the fraudsters got my deatils as I am very vigilent with my card details. I am in the
process of stopping my card as I type. This is worrying.

22. James Says:


February 17th, 2010 at 13:43

Hi, I’ve also had £10 taken from my account under O2UK (NELSON)01753 565969 . It is about the time I made a topup of that amount
but this is not how it normally appears on my statements. I’ll be phoning O2 to try work out if this transaction was me, and if they are
not 100% just going to cancel card anyway to be on safe side. But is strange for this many people to be commenting on this issue in
such a small time scale.

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23. James Says:


February 17th, 2010 at 14:04

Ok, Just been on the phone to the helpful people at O2. After some security questions they took a look into this issue for me. At first
they where asking if I’d had any resent communications wit O2 and tried to fob me off with some rubbish that it’s an external O2
payment thing. I asked him to look into it more. Turns out that it does match up with the topup I made, and the change of name on
the bank statement is to do with the fact the payment was processed at a different location. However, I will be watching my
statements closely for any more transactions!

24. sue Says:


February 17th, 2010 at 15:13

I have just found 2 £10 O2uk (Nelson) on my statement for 15 and 16 feb, i am not an O2 user. Cancelled my card awaiting new one.
Anyone any ideas about direct pizza company been charged 48.38 never ordered pizza online ever.

25. Rick Says:


February 18th, 2010 at 05:28

I have two accounts and I share my money between them. Now while this might seem to increase my exposure (two cards, and all), it
reduces the risk involved. Because the accounts are at different banks and, as far as I am aware, unaware of each other. So if a small
payment is made to test the card number, followed by a wipeout… you and I know the bank won’t exactly be speedy about sorting it
out, and there will no doubt be lots of headaches and paperwork too. All the while my money will be where? Bills will be paid how? I’ll
eat what?

Thus I share between accounts so if the worst should happen, I’ll be screwed but not ***ked, if you know what I mean.

The only weak point is the day I’m paid, but then I take the money out in cash from a real person with a card I’ve authorised to reject
automated payments over 300 (not that I trust the bank to be that reliable…one of these days they might even send me junkmail
addressed to Mr. and not Ms.!).

26. BootBlock Says:


February 18th, 2010 at 14:22

@Rick I’ve started doing something similar; for the benefit of anyone that would like to do the same…

What I’ve started doing is having two accounts: the main account that has the card attached to it, and another account that has no
card so it can only be “accessed” via my bank’s online banking.

Almost all of my money is in the secondary account. I then move money from that secondary account (as it’s instant) to the primary
card-enabled account.

It’s a bit of a hassle, but I now check my account’s balance every couple of days so I guess it isn’t too bad.

27. BootBlock Says:


February 18th, 2010 at 14:25

@James

O2 can be a bit hit-and-miss, depending on who you get. I’ve read more than a couple of times they have tried telling fraud victims
that they haven’t be defrauded, but instead maybe they just forgot that they made a top-up.
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28. john Says:


February 18th, 2010 at 15:34

I think when is says O2UK(Nelson) and you have topped up then thats not a scam, however if it say 02UK(Nelson – and a long number
then that may be a scam so be careful everyone! thanks for the help

John

29. trudy Says:


February 19th, 2010 at 18:24

i check my online account everyday this morning i had the same transaction £30 go from my account 02uk nelson with a fone number ,
been to my bank told them they phoned 02 and i also spoke to 02 who are investicating it, just foned the fraud service got my card
cancelled ,thing is im now overdrawn on my overdraft so will get charged for that and aslo will get charged for an unpaid direct debit
that went out today ,so when my unemployment money goes in i will be left with no money for food thanks scammers

30. norma Says:


February 19th, 2010 at 22:54

got a phone call from credit card company two days ago to tell me there was a lot of strange transactions on my card and i verified
that i hadnt made them. got my bill in today with same o2uk(nelson) charged at £15. contacted credit card co. again who have said
they will investigate. have only used this card in a handful of places(3 stores and a ATM) so it shouldnt be hard to investigate. they
managed to get away with 685 pounds before it was caught on which apparently went to BT. why cant these losers go out and work for
their money like the rest of us!!!

31. Angelique Says:


February 20th, 2010 at 04:05

Same here, £30 UKO2 Nelson doo dah…


Happened last Saturday, 13th… Bank sent letter on Tuesday, so pretty quick (Halifax). On the phone to them, they mentioned TWO
other transactions that they DID NOT allow… some USD $ transfer and a separate Western Union Transfer… it was me who said ‘what
about this O2 £30?’ – so the culprits did try to get TWO large amounts of money at the same time as the O2 transaction, but only the
O2 transaction went through. My bank have cancelled/returned the money and sent me a form to sign,

So, I would check with your banks what they also ’stopped’ as this wont show on your statement.

I think I will send out an email to all my friends on Monday and also text my mates, because clearly these last few messages have all
been within days of each other, so this ‘random number generation’ is happening now.

32. Elizabeth Davis Says:


February 20th, 2010 at 11:16

Same here, Just checked my account this morning to find two seperate transactions from O2 NELSON one for £10 and the other for
£30. Seeing as i’m not with O2 i decided to type the code in to google and have found this website. I have just called my bank LLoyds
who were very helpful, canceled my card and refunded me the money they have advised i will get a form to sign and return.

It has also happend to another memeber of my household only £10 so she is cancelling her card as we speak – Just a heads up we had a
virus on our computer this week that carashed the whole system, i wonder could this be connected?

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33. Jayleen Says:


February 21st, 2010 at 20:14

Same here a charge for £30 for O2UK (Nelson) 01753 565969 , and I DON’T EVEN USE A MOBILE !

34. Sheryn Says:


February 23rd, 2010 at 16:02

Also happened to me today – got home, checked my statements online and then noticed a transaction, namely O2UK (Nelson) 01753
565969! I am so glad I found this thread. I called my bank (Lloyds) straight away, got the card cancelled and the lady said i should get
some papers to fill in by post and i will get the money (£20) refunded. I’m pretty sure it’s fraud – I’ve had a contract mobile phone for
almost 3 years now so there is no way I could possibly top anything up, regardless of the fact I’m with O2. I will be monitoring my
statements closely from now on, that’s for sure.

@BootBlock, I think your idea makes sense. I think maybe I could do something like this myself. The perspective of having my account
wiped without money left to pay the bills isn’t too pleasant.

35. Olivia Says:


February 24th, 2010 at 01:23

this has also happened to me today, £30 O2UK Nelson (long number) and I am with RBS. The bank were really helpful though when I
rang up the 24 hour helpline.

36. trudy Says:


February 24th, 2010 at 09:08

update ;o2 investicated the fraudelent transaction of £30 that went from my account they found out that someone bought a fone last
september and didnt top it up till now with from my account, still cant get my money back as the banks fraud team are also
investicating and sending me papers to sign but have to wait at least 10 days , in the meantime im still waiting for my new card still
got bills to be paid still gotta buy food still bloody mad about it all . was thinking if 02 found out someone bought the fone in
september surely they must know who as it would be registered in there name,also were it was topped up from and wether it was
topped up by a fone call and were the fone call was made from.

37. Gemma Says:


February 25th, 2010 at 11:18

I had £30 O2UK(nelson) come out.


Cut along story short ive gotta go in branch to get chargeback for money back and they have cancelled my card.
Bit worried incase they can get to my other cards?? I have another Halifax account and a Credit card. I was surprised Halifax let the
£30 go through as im way over my limit!!!

38. Steve Says:


February 25th, 2010 at 23:01

FKN ARSEHOLES, get an job and earn an honest living rather than leetching off us who do. No wonder our taxes are so high.
If i Find out who you are or can trace where my dosh has gone you will be exactly the ammount of pounds lighter from your body which
you took from my account.

39. S Says:
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February 27th, 2010 at 20:33

Exact same just happened to me with the O2UK (nelson) – £20 – card now cancelled and new one sent out. Obviously a busy couple of
weeks for some card theives!

40. Ash Says:


February 28th, 2010 at 16:49

Noticed the O2UK(Nelson) payee on my statement last week and having found this site had my card cancelled immeadietly. When I
contacted O2 though it appeared the transaction was made by me,I topped up on 16th Feb and the £10 left my account on the 17th.
Strage that so many people appear to have been scammed in such a short space of time.

41. Connie Says:


March 5th, 2010 at 14:55

I have also noticed a £10 charge from O2UK Nelson debited on 22/02 although I don’t have a mobile. I also got 3 debits on the same
day from Trainline.com for a total of GBP285.00. I am gutted…

42. Mazzy Says:


March 18th, 2010 at 22:00

It’s happened to me! Just got my monthly statement and noticed £30 was taken out on the 18th Feb by O2UK Nelson. I’m not with O2
so noticed straight away it was fraud. I phoned Barclays and they’ve blocked my debit card and and are sending me a new one.
They’re sending me a form to fill out to get my money back.

I only use this card for internet shopping and every site I’ve been on is verified by Visa except Amazon, who saves my details
automatically. I don’t know whether it has anything to do with Amazon but that’s the only place I can think that there might be
something wrong. Gutted.

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