I had my Mastercard debit card details stolen yesterday, with somebody spending nearly $400 at a small electrical company in Sydney. That made me quite angry. I rang my bank on my lunch break and had them cancel my card, but they say they can’t challenge the transaction (which is still in authorisation mode) until it actually goes through. So I’m not sure what the purpose of having an authorisation mode is. It’s still sitting there in transit, and I probably won’t be able to do anything about it until after the Easter long weekend.
Everyone assures me that the bank will compensate me for any stolen money, but I don’t have a lot of faith in Bankwest, and it pisses me off regardless. I only ever use this Mastercard for buying things online or overseas, and I’ve used it twice in the last month. One was to buy plane tickets, which cleared on the 17th. The other was to buy World Nomads travel insurance, which I only did last week, and which cleared on the 31st. The fraud also occurred on the 31st, and took place in Sydney, where World Nomads is based. It’s not hard to connect the dots. Either they have a very unsafe connection or an employee with sticky fingers. They haven’t responded to my email about it, either.
Even if the bank reimburses me, it still pisses me off. We think about credit fraud as being bad in a vague, abstract kind of way, but when it actually happens to you it simultaneously makes you realise just how insecure modern finance is and just how much of a cunt an identity thief is. I was open to a career in ASIO or the Federal Police already, but now I’m definitely considering joining the fraud division of the AFP so I can spend my working days bringing down fuckheads who steal other people’s hard-earned money without even the courtesy of doing it in person. And as the years go by and I climb the career ladder, I’ll use the resources at my disposal to hunt down the guy who stole my $400 in 2010. And when I find him I’ll kill him. Real slow like.