What is USAA doing to protect your credit card number?

2014-04-14T15:37:42-04:00

I'm just curious other people's experiences. <div><br></div><div>I have two major credit cards. Both have a $30,0000 limit. I have migrated from my original one of the two (my USAA World Card) to my Chase Visa Marriott Reward black card. </div><div><br></div><div>I only use the USAA card at this point for paying my cell bill to keep it active (better for your credit). I didn't use to do this so it is not my cell phone carrier using my credit number.</div><div><br></div><div>I have in the last four years had my USAA card number stolen/used over seven times!!!</div><div><br></div><div>I use my Chase card EVERYWHERE. We use our CC for EVERYTHING, and pay it off later (to get the points). I've used my Chase card internationally in some shadier places, as well as online, online bill pays, etc.</div><div><br></div><div>Perhaps this is isolated but I have never had any other card in 17 years stolen AT ALL. But yet in the last four years, almost twice per year, my USAA card is stolen and used. Despite in the last two years it being locked up in a safe.</div><div><br></div><div>Is this isolated or have you experienced something similar? I am currently on hold with USAA right now. I will never use this card again in my life, it's too much of a hassle.</div>

Response by SSG Ed Mikus made Apr 14 at 2014 3:50 PM

2014-04-14T15:50:21-04:00

I have never had my credit card stolen, i use it all the time everywhere, maybe i'm just lucky. I have had USAA call me and authorize charges before though, only once was it not me, turns out it was my wife.

Response by MSG Wade Huffman made Apr 14 at 2014 3:54 PM

2014-04-14T15:54:44-04:00

Hate to hear stories like this... I feel for you. I've been with USAA for years and have only had one issue with a credit card being used (not by me). For a bad experience, they made it as painless as possible. Closed the account, credited the charge back to me, opened a new account and fed-ex overnight the new card to me. No problems since. Hope you get it resolved quickly.

Response by SSG Daniel Deiler made Apr 14 at 2014 3:56 PM

2014-04-14T15:56:11-04:00

Never once had a problem with it in the several years I have had it. I've even had the windows of my car smashed and my wallet stolen while at the beach and have had no problems at all.

Response by 1SG Private RallyPoint Member made Apr 14 at 2014 4:00 PM

2014-04-14T16:00:02-04:00

I use USAA as well and have never had this issue. I just want to point out that I don't think it is USAA that poses this problem. I understand that it has been locked up for 2 years, but once it has been used even one time, the information is out there. It has the potential to be sold to thousands of people that want to do you harm. USAA will make it right I'm sure and will continue doing all they can do.

Response by LTC Private RallyPoint Member made Jan 26 at 2015 12:24 PM

2015-01-26T12:24:42-05:00

I have been a USAA member for over 22 years, holding a USAA Credit Card that entire time, and adding my wife to the account over 15 years ago.

We have never had an issue with our USAA card until this month!

(I believe) my card was compromised at a local restaurant when we paid for our dinner a couple weeks ago. I received a fraud alert today, quickly called and they were extremely helpful to take care of the issue and start the investigation. There were 10 charges made (Fast Food, Gas Station, Pizza, etc) and 5 that were denied.

I have nothing but praise for USAA, and know that the fraud was due to someone stealing my number when it left my sight.

I am much smarter today!

Response by LTC John Shaw made May 18 at 2015 10:27 PM

2015-05-18T22:27:41-04:00

@SFC (P) Matthew Jones

I have had two incidents in the last 25 years. Both were due to big company national breaches. (Target and Home Depot)

USAA is coming out with Chip based cards which will reduce fraud by having each transaction require a unique number. Hopefully your problem is solved when this comes out.

Response by CW4 Craig Urban made Jul 12 at 2019 10:07 AM

2019-07-12T10:07:00-04:00

Nothing. There insurance is great. But they do cover me in Thailand. Their bank is like any bank. They advertise on the NFL. NFL is crap.