As you may (or may not) know I am in Hong Kong. Today I had the strangest incident with my credit card, and I’m not quite sure what to make of it.
I was purchasing some stationery at a small non-chain store in the Sai Kung district (where I was visiting my relatives). The store accepted Visa with a purchase over 100 HKD, so I gave them my visa.
My card is a chip and pin, so they stuck it in a machine under the cash register I didn’t see clearly. Then as the salesperson typed a few keys in the computer, I realized there seemed to be credit card processor on the table, but that wasn’t used. Perhaps it was broken, maybe. Then it seemed to me that card was in the reader for the longest time. Then, the next strange thing that happened was that I was asked neither for a pin nor a signature (usually I get asked for a pin). The receipt that was printed didn’t have space for me to sign, so I just signed on a random space on the receipt. These things all made me a bit anxious about my card.
Finally which really made me think that my card could be compromised was that the salesperson turned over my card and looked at the back just before she handed it back to me. With Visas, the CVV (Card Verification Value) which you use for online transactions are on the back. So all these small signs at made it seem to me that my credit card information could have been stored (somewhere).
I could be completely wrong here, but I swear this definitely could be a chance my information could have been stolen. Since my card is chip, I think that it’s pretty likely that my card can’t be duplicated, but I’m actually quite scared that my card could be used for an online transaction. Maybe I’m just really paranoid, but I’m actually thinking of calling the credit card company to get a new card, but the other issue is that I’m in Hong Kong. So I don’t have any other non-FTF (Foreign Transaction Fee) credit cards to spend with, which is bothersome.
I definitely don’t have as much “experience” with credit card fraud as many of you (heck, I just turned 18 a few months ago), so do you think I’m overreacting here? Should I be calling the credit card company?
I’d love your opinion and/or and experiences you’ve had so I can make a decision about this, so if you have something to say PLEASE leave me a comment.