I've been overseas since early of this year. So any activity regarding my credit card I am unable to check (as it is linked to my MIL's mobile number in Malaysia). Today when I tried to make payment via phone using my OCBC Titanum card to pay my Maxis RM10 bill, my card was declined. I have only realized that there are 2-3 transaction made online, cost btwn USD 200-300 at USA clothing retail shop 5 days ago. After that only they blocked my card. For that transaction it doesn't require 3D Secure.

And of course I have sent in the dispute declaration form. But it might take up to 128 days and if the dispute failed I'll have to pay for it. The thing is I wouldn't want to pay for it and its quite a big sum for me, like USD700? Plus I did not authorize that transaction (or that transaction didn't need any authorization!)

This is the first time I experienced credit card fraud. Anyone can tell me that if this dispute will be a success? I have been with OCBC with probably 3 years, good credit record, always pay my bill and no late payments. And I don't think I have ever did any retail shopping from US stores.

Please advise. I'm confused how did my credit card details got stolen and I'm pretty worried.

This post has been edited by tzeling: Sep 22 2014, 10:02 AM

No the several transactions were done last week between 16-17 Sept which bank have confirmed with me. About 5 days later when I try using my OCBC to pay my Maxis Bill then only I have found out my CC was blocked. I called 1 of the merchant un US whr my card was fraudulently used. This fella shopped in retail stores, mens womens clothing n accessories and have the shopping shipped to an address in California under a name which look like an African name.

The thing about me realizing a bit late is because im in overseas since beginning of the year while the phone number which registered for OCBC credit card was redundant, I can't be contacted with my Msian number. I did not register my overseas number earlier on because staff in OCBC told me that I cant register my overseas number and before this I had been calling OCBC to check things with them and none of them told me I can register my overseas number.

Until after my CC got compromised and I try to ask the customer service again if I can have my overseas num registered and now YES it can be done. So previously the staff whom said they can register me with an overseas number is not correct. Sigh!

I will be overseas for a great deal of time, like throughout the whole year. So I want to save the hassle of blocking or unblocking the card just in case I need to use it sometimes overseas.

Thanks! Can you pls send me the link to OCBC thread?

Thanks guys, I'll post at that link!