New fraud. Transaction passed thru without my msos code!
This morning i received a sms for MSOS code, i ignored it because i thought someone trying to use my credit card performing online transaction and the SMS and code is safe with me. While i am wondering do i need to cancel the card later since i receive this kind of sms and my card might exposed. Then while i was thinking, received another sms, TRANSACTION WENT THRU!
Directly call bank. After verification this and that and put me on hold to block the card,while waiting for the process, i received another sms, 3000USD again!
Then after put me on hold and came back telling me that the card has been blocked, i told them another 3000usd went thru, and CS also noted it with surprise tone and ask me do a dispute if the transaction shows up on my statement.
I asked them why without MSOS code , the transaction also can went thru?
They said frauder might have their way to bypass it and answer me they are not so sure about it but they will look into it.
Nowadays even if you think the phone is safe with u and actually it's not so safe also.
The other 2 transaction seem different merchant.
Maybe 1st one to test if ur card work.
Msos or not, its up to the payment gateway. Some merchant doesnt need it.