How to shop @ Amazon without credit card being compromised?
Post ReplyPost New TopicPosted 3/12/2013 by susanlk in NSBR Board


PeaNut 124,443
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Posted: 3/12/2013 6:26:23 AM
Last year, I had my credit card compromised about 2 months after shopping at amazon. My DH's card was compromised about a month after mine & the only place (other than our monthly dish network charge) was amazon about a month after I had ordered from their site. Our niece, who lives 4 hours away, also had the same fraudulent charges we had & she had also ordered from amazon. A girl I work with, that lives an hour from me, had charges like ours, again, she had ordered from amazon. We all had charges for Experian. Which, ironically, were for credit check info.

I keep hearing it "can't be" from their site because of their encryption, blah, blah, blah.

So fast forward to January/February of this year. I decide it's been almost a year & I'll give them another try. Yesterday, my card was compromised again. This time for an Amazon Prime purchase (which I am not a member of), Amazon Market Place Pmts, 2DFacto, & RN*.
Most of the charges were for $1, except the Amazon Prime & Amazon Marketplace. Those were actual charges in excess of $118.

So tell me, so many people use Amazon, how do you do it without the credit card being compromised? I have 2 people at work that haven't had a problem, but they both have Amazon credit cards. I don't want another credit card account. Also, I would use paypal, but I'm afraid they'll find a way to hack into that since it is linked to my bank account.

Sorry for such a long post, I'm just so frustrated.



PeaNut 244,947
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Posted: 3/12/2013 6:30:15 AM
I always go to the grocery store and buy Amazon gift cards for when I shop on Amazon. Gotta love those fuel points I get for buying the gc from the grocery store. I don't have my cc# on file with Amazon.


Ancient Ancestor of Pea

PeaNut 75,215
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Posted: 3/12/2013 6:30:47 AM
Wow, I've been using the same credit card with Amazon for about 5 years without any issues. It's not an amazon card. And i order things weekly.

I think you can link paypal to a credit card -- maybe that would be an extra layer of security? I really don't have an answer. What a pain in the neck for you.


PeaNut 124,443
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Posted: 3/12/2013 6:35:13 AM

I always go to the grocery store and buy Amazon gift cards for when I shop on Amazon. Gotta love those fuel points I get for buying the gc from the grocery store. I don't have my cc# on file with Amazon.

I didn't think of that. Do they charge a fee to activate the card? I know we get charged $2.95 or $3.95 to activate the pre-loaded credit cards. I'll have to look into this.

I wish my cc did the temporary card numbers like my old cc did.


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PeaNut 257,022
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Posted: 3/12/2013 6:37:21 AM
I have been shopping on Amazon (a lot) since 2005 and never had my card (not always the same card) compromised. One thing that I do is to avoid buying from any third party, I only buy items that are sold directly by Amazon, except for Becky Higgins stuff.

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PeaNut 244,947
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Posted: 3/12/2013 6:42:35 AM

Do they charge a fee to activate the card? I know we get charged $2.95 or $3.95 to activate the pre-loaded credit cards.

For store and restaurant gift cards they don't charge a fee. For the Visa/MC/Amex cards they do.

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PeaNut 38,135
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Posted: 3/12/2013 6:44:12 AM
I've been shopping for years on amazon without an issue. The only cc issue I ever had was when the bank issued me a new card after I had shopped at HL and they had discovered an issue with cc being compromised. Cc can get stolen anywhere - not just online.
As far as that amazon prime charge you mentioned, you may have signed up for the Prime free trial with your last order by mistake. Checkout can be overwhelming with all the options they have. The little charges may be music - do you or anyone in your household have a kindle? They come tied to your account unless shipped as a gift

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PeaNut 220
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Posted: 3/12/2013 6:52:14 AM
So THAT's the link?!

We mostly use Amazon and PayPal. I was leaning towards PayPal. Every few months we get a call that our card is being used over seas or for some other random thing that flags the fraud department. It is so frustrating!! Most recently my card was used to buy gaming subscriptions, games at and GameStop in Tx. Yet I had my card IN HAND and had just used it at Target in NY. Thankfully they were able to stop them before they got away with more charges.


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Posted: 3/12/2013 6:57:22 AM
Even though you may not want another cc that may be the best answer. A card with a low line of credit so big charges can't be easily run up and it won't get in the way of using your regular card other places while trying to get the "online shopping" card fixed.

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PeaNut 124,443
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Posted: 3/12/2013 7:01:59 AM
I know I didn't sign up for Prime. I also checked my Amazon account and the only thing showing in my history are my valid purchases from January/February.

The reason I'm pretty certain it's Amazon & not just anywhere is because last year the only place any of the 4 of us had overlapping uses was Amazon. My DH rarely uses his card & his only purchases within the year were Amazon & his monthly dish payment. He doesn't use his card locally and doesn't carry his card with him, it stays at home.

The worst part is I need to order my contacts & have to wait for my new card to show up. I had gone to my cc account & saw they had already restricted it due to suspicious activity. It's also going to be a pain to change over my automatic payments.



PeaNut 181,929
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Posted: 3/12/2013 7:24:47 AM
You mainly use these cards for automatic bill payments...right? Do you also pay the credit card bills online? If yes ...then you most likely have some sort of virus on your computer and the info is being accessed directly from your hard drive.

Ancient Ancestor of Pea

PeaNut 39,386
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Posted: 3/12/2013 7:36:34 AM
I've shopped at Amazon for years with no problem. Used Paypal, too. We have had calls about fraudulent charges where somebody got the number and made a card, but that can happen anywhere.

My MIL won't shop or pay bills online but she attaches her bills to the outside of the mailbox with a clothespin. A big way people get their identities stolen is mail being stolen out of their mailbox.


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PeaNut 94,569
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Posted: 3/12/2013 7:56:04 AM
I too have had my number taken after using Amazon. It happened to me last year after I had purchased a couple of books using my cc.

It does make me wonder.........


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PeaNut 285,775
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Posted: 3/12/2013 8:03:12 AM
Never had a problem with Amazon. You can get a virus or have it stolen from anywhere. It just takes one person who wants the number. No one is 100% safe. Change your passwords often, have a low credit card attached.

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PeaNut 43,034
July 2002
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Posted: 3/12/2013 8:19:05 AM
I've been shopping for years on Amazon with non-Amazon issued cards without an issue. My card was compromised on Pay Pal once.

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PeaNut 498,237
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Posted: 3/12/2013 8:22:12 AM
I've been shopping at Amazon for years without an issue.

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PeaNut 174,226
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Posted: 3/12/2013 8:23:58 AM
I've shopped at Amazon for years using the same credit card and have never had any problems. I have Amazon Prime and love it.

What a PITA for you! I have one credit card we never use. The only time I use it is to order online from a restaurant here in town that delivers and I only used it with them because they don't take Discover. Everytime I used it for that, I would get a call the next day that it had been compromised. I now check the box to pay cash on delivery. It's so annoying. At least the credit card companies are really good at knowing it's been compromised, not that that makes it any easier for you while you wait for your replacement card.

***Edited for clarity***

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PeaNut 138,098
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Posted: 3/12/2013 8:28:20 AM
I've shopped at Amazon forever and never had any issues. Sorry this keeps happening to you. I would be really frustrated too!

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PeaNut 242,768
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Posted: 3/12/2013 8:36:21 AM
I'd also say virus over Amazon. I've shopped there since it opened many, many years ago and I have NEVER had an issue. in fact, the only time my cc has been compromised was on iTunes and my bank caught it after 2 $1 charges. I think the only reason it hasn't happened to us more is because my dh is diligent about security and knows what he's doing. do all 4 of you share the same bank? that can be a problem as well.


PeaNut 186,738
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Posted: 3/12/2013 8:51:14 AM
Another heavy amazon prime user that has never had a card compromised. Last year before Christmas I got paranoid because it happened to a couple of friends, and applied for an amazon store card. You dont actually get a card, just a number that is stored in your amazon account and can only be used for purchases through amazon. I took my other stored card out of my account and only use the amazon account now and pay it off each month. No worries. If you're worried about using your card there, it might be a solution for you.


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PeaNut 52,841
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Posted: 3/12/2013 9:02:08 AM
If you don't want to buy Amazon prepaid cards, check to see if your credit card allows for Virtual Card numbers. This helps protect your card from being compromised. Here is part of the description from my credit cards website:

Virtual Account Numbers
Protect your credit card number with a free, easy-to-use service
Shop online or by mail order with confidence by creating a limited-use Virtual Account Number for your card. You can even customize your Virtual Account Number to control how much money it can be used for and for how long..

These have become very common with credit card companies. Maybe yourr offers this.

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PeaNut 509,811
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Posted: 3/12/2013 9:03:50 AM
Have a few cards linked to Amazon and haven't had a problem.

I've had fraud charges like everyone else but never on a card I have linked at Amazon.

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PeaNut 190,378
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Posted: 3/12/2013 9:05:26 AM
Many credit cards will issue a one-use number that will charge to your account, but if someone tries to use that number again, it will show as invalid. I do this with my Discover card.

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PeaNut 510,579
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Posted: 3/12/2013 11:47:02 AM
I would buy gift cards at CVS or the grocery store I had your concerns.

You don't by any chance have music sharing software on your computer do you?

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PeaNut 86,501
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Posted: 3/12/2013 11:53:18 AM
I just got an e-mail from Amazon saying someone was making purchases with them on my credit card. Sure enough checked my credit card account and someone had purchased amazon prime, and there were two small charges to Amazon and RN same as the OP.

I have shopped with Amazon for years without a problem, but looks like they also got my card from Amazon. Very frustrating to say the least!!


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PeaNut 526,154
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Posted: 3/12/2013 11:55:21 AM
Wow! I am so sorry to hear of this. I have no advice for you -- I've been shopping there for years and never had a problem that I know of.

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PeaNut 143,487
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Posted: 3/12/2013 12:00:29 PM
Last year is the first time I've ordered from and within the month after my purchases, I had 3 $1 charges flagged. I called my credit card company to have a new card issued and they told me there was a lot of people calling that week because of fraudulent charges made with Amazon. Sorry you're going thru this, it is a pain!

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PeaNut 308,882
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Posted: 3/12/2013 12:03:25 PM
what I did is open a second checking account. That card is only used for on line shopping. Unless I and making a order i keep very little in the account.

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PeaNut 528,470
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Posted: 3/12/2013 12:16:48 PM
Yowzer! I shop Amazon all the time....never have had an issue. Thanks for making me aware of potential fraud!
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PeaNut 49,444
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Posted: 3/12/2013 12:20:12 PM
I have never shopped at Amazon, and my credit card has been compromised 3 times! The first time the charges were made in FL, for $1.00 each at two different places. This is common, people who steal the cards charge only $1.00 to see if the card numbers actually work, and if they go though they go for the larger amounts.

The second time I don't know where they tried to use it, my bank caught it, (another $1.00 charge), and hot carded my card before I even knew it was happening. The first card compromised I had used it on-line 1 time, the second card was never used online, only locally.

Since I have received the 3rd card I have been VERY picky about where it gets used. The bank told me that gas stations are a hot bed for card numbers getting compromised, so I no longer use them at gas stations. I go get cash from my bank, then go get gas. It's a PITA but it's better than getting new cards every time I turn around.

For shopping on line, I will only used pre-paid small amount cards, or I will ask the store for a phone number, call them, and place my order that way. HTH

Edited to add, any on-line store I use I tell them in advance to only accept orders over the phone, and only if the caller ID say's my home phone number.

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PeaNut 231,164
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Posted: 3/12/2013 6:23:23 PM
I've shopped Amazon for years and have never had any of cards compromised. I currently have three different cards for several years now and none have had an issue. I do a ton of online shopping.


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PeaNut 432,055
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Posted: 3/12/2013 7:51:07 PM
I have used Amazon for years with no problems.


PeaNut 167,693
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Posted: 3/12/2013 7:57:40 PM
Honestly, if you never want a card compromised, the only solution is to never use a card. I had two cards compromised and they were not from online use, but from the massive hack of the TJMaxx computers a few years ago.


PeaNut 559,204
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Posted: 3/12/2013 8:04:56 PM
Mine was hacked on Black Friday after charging at Amazon-will only use gift cards from now on
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PeaNut 288,074
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Posted: 3/12/2013 8:07:37 PM
I have never had problems with using my CC on Amazon. Perhaps you could get a prepaid Visa card and use that instead.


PeaNut 146,748
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Posted: 3/12/2013 8:11:12 PM
I agree, cards can be compromised anywhere, but we have never traced ours that were compromised back to amazon. lately the one that got misused, we think was from a hotel that dh stayed in when he was driving to or from his parents earlier this year. A couple of times, payments for the credit cards were stolen from our mailbox, and then used along with the checks being "rewritten".

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