credit card hacked skimmed cloned

Here’s what you should to do to prevent your credit card getting Hacked/ Skimmed/ Cloned – A personal experience

Editorial note:   So a government official got his credit card hacked and swiped an amount of Php1 million pesos and all the purchases was just at one food store, Food Panda.  That sounds stupid and shady at the same time.  One if I will swipe or steal or use someone else’s card thiernking I will not get caught, I won’t spend it on food but electronics and gadget and furniture BIG purchases, especially if I want to spend 1 million!

Anyway, below is a story related to my first trip to the USA last 2016 where after coming home to the Philippines, the card I used for UBER, and to pay for my hotel and other purchases in the LAX airport was cloned/ skimmed and used at purchasing different things from different stores around the USA and was even used for UBER to go around.



I have not even blogged about my #EarthintheUSAadventure in Los Angeles and Oregon yet. But here I am blogging about something timely and scary. I need to blog this right away so as to remind everyone else out there to be very careful where they use their credit card/ debit card, especially in the USA.   I’m a victim of credit card skimming in USA and lost more than Php20,000 from the scammers. Here’s how my story goes…

‘Twas the day before Christmas when all through the house, everyone was stirring, even a mouse!

It was a busy day for me, December 24, 2016. I was doing last minute grocery shopping for things we need until before the shops close. I have everything I needed, I even have extra cash on my wallet just in case ATM machines ran out of money. But because of a gut feel, I decided to check my ATM balance after a quick stop at the grocery. To my shock, my account balance was 20k short of funds! WTF!

I panicked and got really stressed, in all honesty I was not even feeling the Holiday rush until that time. I’m a victim of credit card skimming! I immediately went home and check my transactions. Did I get double charged for something I purchased online? Or was I charged for something I did not buy?

Gather your recent transaction receipts and call your bank hotline ASAP

Before I called the hotline I tried to trace my purchases online and offline. I scoured for receipts of purchases I did if I use my card at all. After being sure that I did not do such purchases I immediately called the hotline.

It was a bit hard to get through the hotline, it took me an hour before I got through a customer care agent. The agent was helpful and I was calm. I need to report the incident right away and have my card blocked in case somebody would try to use my card again.

On the phone, the customer care agent of my bank asked me of my past transactions with my card. When he mentioned if I did any purchases at Macy’s, Target, Staples, United Independent T and Yellow Checker Cab I had a light bulb moment. “OMG! My credit card/ debit card got skimmed in USA!” I told the agent.

I immediately asked him how do I get my funds back and what do I need to do about this whole thing that happened.

Block your credit card as soon as you notice transactions you didn’t do:

The agent told me that I should file a letter of dispute stipulating about unauthorized transactions on my account. I have to send this letter to their customer care email with all supporting documents to which an investigation will happen right away and resolution will take about 15 to 85 days! 85 days! I really don’t care how long, as long as my money will be returned, my card be blocked.

Go through your transaction history:

We went through the transactions on my account where we found out unauthorized transactions started on December 22, 2016. Tracing through the transaction history, the card skimmer was in Los Angeles, where I was a month ago. Then the credit card skimmer used my card in Virginia and back in Canoga Los Angeles.

With the information I got from the agent I immediately sent my letter of dispute on unauthorized transactions on my account with supporting documents such as photo of my card (back and front) and reciept of my last transaction.

Analyzing where your credit card might have been hacked:

I have to think hard where my card might have been skimmed in the USA I traced back where I used my card there:

  1. I used my card to take an UBER at the Los Angeles Airport . My card was linked on my Paypal and it is linked on UBER.
  2. I used my card at Holiday Inn Los Angeles Airport I gave it at the receptionist to use to charge security deposit for my hotel room.
  3. I also used my card at the Los Angeles Airport where I purchased last minute souvenir at the Duty Free store
  4. Then I used my card at the Starbucks in Los Angeles Airport departure area.

Any of these places could have skimmed my card and waiting for a month before using it.  Right?

Btw, my bank was UNIONBANK and my account is an EON account .  I had this account since I started working online in 2008 .  I used my card when I was in Laos, Luang Prabang, Thailand and Kuala Lumpur but I did not experience this kind of card skimming!

Lessons learned from this experience, things you should do when your credit card gets hacked:

  1. Never use card payments when you ride UBER in Los Angeles, or maybe in the United States in general.
  2. Always have cash when travelling and paying for purchases and services .  You can never be too sure.
  3. Keep a journal / ledger of your spending and keep reciepts so when you need to dispute charges or pay taxes you have everything you need.
  4. Always check your account balances and take note of it.  If you lost even just 500 , 10 times 500 makes 5000 already!  No small amount should be left unaccounted for.

What I and we all need to do before the year ends or at the beginning of the year:

Replace your credit cards and debit cards before the year ends.  According to BSP banks are ordered to change the security details on cards so that it won’t be prone to skimming.   My card is to expire by February 2017  I should have changed it before the Holidays but life happened and  was not able to go to my bank.  Anyway, as soon as the bank opens before another Holiday closing I will change my ATM cards.

I am hoping and praying that my funds will be returned as I have strong evidences to support I did not make such purchases.  Plus all purchases made was in the US and I’m here in the Philippines.   I also hope that the new credit card and debit card to be issued by all banks in the Philippines and in the world are indeed card skimming free.

There, I hope you learned something about credit card hacking/ cloning/skimming from this blog post.  Take care everyone and Happy Holidays!

Stay gorgeous everyone!




  1. Author

    Hi Azrael , yes Unionbank EON. I don’t think it happened here in Manila, sa US talaga sha naganap. Not online shopping I saw the traces sa account nagtaxi pa ung gumamit ng card ko, I bet UBEr ung ginamit nya.

    It will take about 7 working days to replace my card , so next year na ako magkakacard. I hope ung EMS chip enabled card na yung ibigay sa akin coz that’s what the BSP requires all banks to do to avoid skimming.

    Unfortunately it will take a month or so before I get my funds bank. I hope so I pray so coz I did not do those purchases and I worked hard to earn those money di lang pinulot sa kanto.

  2. OH unionbank eon pala
    same thing happened to me.. same atm card din, but na replaced naman agad and they locked my card nung may suspicious access my card, good thing my card is expired na and it wont work na sa online transactions.

    possible din na the skimming took here sa manila and purchase it there, if ever baka online shopping pa yung ginawa…or worse na clone yung card mo at ginamit on the spot sa US

    grabe. pero great to hear nagawan na ng action ito, yun lang..matagal nga lang sya mabalik

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