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My other half lost a card a few years ago. We noticed straight away and reported it. 36 hours later someone managed £150 of transactions. All small stuff like less than £10 at Tesco and McDonald's, all around Charing Cross. Annoying that none of the purchases had an online check and how tedious the paperwork to refute the transactions was.
jellybaby-
I lost a card in Brighton one weekend, a couple of hours after I reported it lost (after seeing a few 5 quid transactions go through), the bank called me to ask if I was trying to use it in a hotel in Brighton to pre-authorise a checkin. Said no, obviously it's someone else. Called the police as I assumed it'd be an easy win for them, they didn't give a shit.
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I’ve always assumed that small payments are made in a few places to see if the card works and to see what chance there is of payments being noticed. Then big purchases will be made after that.
atz
ric_a5
I hate people. If I found a card on the floor somewhere I'd look to hand it in. Did the person who found my Amex card do the same? No. They tried twice to buy food (£2.40 and £1.20) and then twice to buy train tickets (£14.40 each time).
All declined as I'd noticed my card was gone and froze it, and then cancelled it and ordered a new one.
My fault for dropping it on the floor, but still.
But I come home to the following in my inbox. I hope I ruined their supposed dream free spend.