Credit card hacked

[Jonette]

I got a text today saying that a transaction had gone through that they felt was fraudulent and to call them.
Spoke to them and not only today's transaction £160 in Aldi (online) and £220 on Le Creuset in April (first I heard of it) were highlighted.
So they've cancelled the card.
She said I can't check transactions as card is now cancelled.
She asked whether I've saved card details on any websites (I have) and whether I've anti-virus protection (I don't know whether I have or not).
I also use two other cards online.

What should I be doing now? And how the fuck did the bastards hack my account?

It's happened to me more than once. It's horrible, and a pain to have to be without a card.

My bank usually phones me to let me know.

It has happened to me twice. Once in the 1980’s and once in the 1990’s. The first one was a few small payments to a shop in the east end of London, all for the same amount- and I lived in Scotland at the time. Reported them, got them refunded and a new card issued. The second one was a bit strange- I came home from work one night and my wife said “you’ve got to phone Barclaycard urgently”. They asked me if I had received my new card- I said I hadn’t, and they said someone had spent over £4000 on my card in the last 3 days - they again refunded the money, and this time sent the card to a local bank, and I had to collect it in person. All letters and statements from Barclaycard came in plain white envelopes with hand written addresses for about the next two years after that. It came to light later that there had been a big postal scam and they had been nicking the cards before they had even been delivered.

If they spent it online they need to deliver the stuff so that’s where the fraud inspectors step in.
There not very bright crims really

I’m sorry this happened to you but you do need to be more with it. Yes, anti-virus is often pre-installed but the license is for a limited duration (unless you purchased the computer with an anti-virus package) and you would normally be harassed by your computer until you purchased an extension. If you really are clueless about anti-virus software then talk to someone who knows, what’s his face from IT, a friends geeky child etc. In this day in age if you are online then you do need to equip yourself with some basic knowledge.

Google anti-virus software and install it.

If they spent it online they need to deliver the stuff so that’s where the fraud inspectors step in.
There not very bright crims really

Not if they use Click and Collect or a locker delivery point. Often fraudsters book tickets or travel.

You really must check your anti virus.... I recommend MalwareBytes. It scans my laptop every morning.

Also agree with pigletjohn. I've never heard banks texting you when fraud is involved.

My bank rang me a few weeks ago on my mobile. The number that showed on the screen was legitimate. Even then I refused to speak to them and I used another phone to ring my bank back on.

Scammers can disguise numbers, web addresses, etc... I assume everyone is a fraudster unless proved otherwise. That view serves me well !

I'm a bit dopey about Android pay? Surely that holds your details too.

Android/Apple Pay is secure.

What did the bank say, was it a legitimate text?