Payment Over The Phone, It Scares Me!!!

Jacksonville, Florida
July 29, 2011 10:00am CST
At my job our customers can call and place a payment over the phone. They give us their card number and all of the information. The thing that gets me is what if someone is not careful and doesn't erase the information they take down and it gets into the wrong hands? I am starting to think twice about making any payments over the phone. We have to write down on the paper all of their card info and put it in the system. I am a trustworthy person and my job knows that but not all people are...Here we have all of this persons information that ANYONE can use to pay for ANYTHING! It seems crazy to me. Are you okay with giving your credit card information over the phone? What if it gets into the wrong hands? Does that worry you?
5 people like this
12 responses
29 Jul 11
oh my god thats so weird that you've said all this!! i was just thinking this the other day! i had to pay for something over the phone, and it's one of 3 payments.. and when i got off the phone from the first payment, i thought to myself.. hmm. whats stopping this company from. now that they have my card details, just taking all 3 payments at once and leaving me with no money? and then another thought occurred!! oh my goodness, whats wrong with that guy using my card to like, buy things online!! it really freaked me out and i thought i was a real weirdo for thinking something like that, but atleast i know you are a weirdo too! lol!
1 person likes this
• Jacksonville, Florida
29 Jul 11
That is weird! Exactly, it could happen and that thought really scares me. I have a debit card and I will not pay over the phone anymore now that this came to my mind. It scares me. Your not weird or at least not to me but maybe that's because I am a weirdo too! LOL
1 person likes this
1 Aug 11
lol! weirdos together. well thats me firmly decided i will not give my details over the phone ever again, besides if something is completely and utterly legit, they will have a way that you can online, or through the bank.. thats what i think anyway! :)
30 Jul 11
It's definitely easier to misuse info when it's passed around like that but then there's ALWAYS a risk of criminal use. If you go in and pay by card yourself, they print a receipt: if they keep the receipts, they can track the card number. Same thing. Even online there's a risk: what if all those secure sites simply add a bit of code to emulate the real secure card check? Not difficult. At some point you just have to jump in and trust the company. That is, unless you want to do everything with cash, in person! And even then you have to trust the bank holding your cash!
30 Jul 11
The thing is that most purchases (and accounts) are protected MORE if you take the tech route. For example, I was once victim of ID Theft - I used my internet banking site on a new laptop without double-checking my usual firewall was active (d'oh, my own fault). Bank account empty in three days. But because everything was done online, it was easy to track. I could tell them exactly the last transaction that was mine, which ones weren't and the whole thing was sorted out within a week. New cards issued, get-through-the-moment cash available at local branch, account re-secured and tons of data en route to the police. Apart from about 2 days where things were tougher, I barely even noticed. Now if someone had taken my cash, I'd have had no recourse.
• Jacksonville, Florida
30 Jul 11
That is a very good point too. Like I said sometimes technology is a great thing. There is no protection on losing or someone stealing cash. That is absolutely true. That is one reason my husband likes that we have a debit card because he said if something like that happened we would be okay.
@ptower76 (1619)
• United States
29 Jul 11
It sure does scare ma. That is why i pay all my bills the old fashion way. People are paying monthly fees (friend of mine pays 19.99 monthly) to protect this from happening and it seems ludicrous to me. I will go as far as printing out a monthly bill. Then i do it the old fashioned way. Make out money order and send it via mail. Been working for me for many many years. And I say, "if it ain't broken, don't fix it" lol So, in reality, I don't worry about it cause I don't provide that info online. The only thing that still worries me a little is having PayPal linked to a bank account. Luckily that account is only for paypal and no other deposits go there.
• Jacksonville, Florida
30 Jul 11
Yup I agree. Its better to do it the old fashioned way. It is a lot safer! I do it that way too and then I just hope and pray it won't get lost in the mail because I have had that one happen too. I was like man I just can't win. Thank goodness it was a small amount or I would have been in BIG trouble! I am a little worried about paypal being hooked to my account. I am just praying that everything will be okay with it. I swear if all of my money ends up missing I am suing the snot out of paypal!!
@ptower76 (1619)
• United States
30 Jul 11
I tried that already. I downloaded my earnings into my paypal to make sure it worked then uploaded the money again. lol. Just old fashion me being careful. lol
• United States
29 Jul 11
I never order anything over the phone because I don't know who I'm giving my card information to. I'm always afraid that the company could have an untrustworthy employee or something. I'm also afraid because I notice sometimes that my phone will pick up other people's calls and you never know if, likewise, someone could be listening to my conversation when I'm giving that information. I usually shop online, but never over the phone. I think I did give my card info once though, when I was ordering plane tickets for my uncle, and I was uncomfortable doing so. What you said makes me worry. I always thought that when people are taking that information from the customer they are inputting the information directly into the computer and not writing it down on a piece of paper. Now I'm really not ordering anything over the phone lol
• Jacksonville, Florida
30 Jul 11
We are a propane company so people make their payments over the phone but it really scares me. Thank goodness I got lucky and I work for a Christian company. Everyone that works here are really good and honest people. However, if they weren't some people could really be in trouble! I have had the same thing happen to me where I hear other people's conversations on my phone line. Creepy! Yeah if your giving that information, anyone can get it that way too. Yeah we have to write it down first to make sure we have everything right. We ask the customers all of their information twice after we write it down the first time. So all of their info is on that paper. I rip them up into small pieces and throw them away after I'm done but it's still scary that other companies might not rip them up small enough where it couldn't be put back together or whatever...
• United States
31 Jul 11
It's true. Many companies don't care about what happens to that information after they're done with it. I remember there was a news story on television about people dumpster diving. Some people just go through the garbage of companies and businesses. The news channel had people go through the garbage just to see what they would find and they found people's social security numbers with their addresses and full names. It's horrible. Sometimes it could even be places of employment that do that to their own employees.
• Philippines
29 Jul 11
i am a credit card and loan consultant before and i have many clients with their personal details, their all credit card information, i even photocopied them. the sad part is that some sells the information of the clients to people who will benefit from it. what i did to mine when i resigned from the company is that i burned them that i may not use it again because the informations are really confidential. i could sell it if i want but i value more my integrity and my name.
• Jacksonville, Florida
30 Jul 11
I know! I have heard of people selling other people's information and I think that is terrible. That's good that you burned all of the information, that was the right thing to do. I'm glad there are other good people out there that wouldn't do something like to anyone.
1 person likes this
• Philippines
30 Jul 11
i think of it many times. but i rather choose to have a good name than to destroy it just for money.
@carmelanirel (21108)
• United States
29 Jul 11
I do, that is the only way I can pay off my dental bill..But, my card is a pre-paid care and it rarely has much money on it and if it does, that is because it just transferred so I could make a payment..Plus I check my account a lot and if I see a transaction I didn't make, I will cancel that card and just get a new one..The most I'd loss is probably about 10.00, because it's hard to find anything online along with shipping that costs less than that..lol
• Jacksonville, Florida
30 Jul 11
Well at least its a prepaid card thats a little better. I have a debit card and they could get all of my money out of my account so I will never pay over the phone.
1 person likes this
• United States
30 Jul 11
I understand, though getting a pre-paid card for situations where you want to purchase something or make a payment online would be a good idea..I am stuck and have to pay my bill this way. Before I got my card, the bill rarely got paid, to the point where the dentist wasn't going to do any more work...
@suspenseful (40326)
• Canada
29 Jul 11
I do not like to give my credit card information over the phone except to the actual credit card company. I do love those infommercials and even then I go to the web site. It would worry me, because what if the person on the other end is not honest? I have a friend who does all her business by phone and I was offered the same, but said no. Even the operator at the other end may transpose a number so that someone else might get the delivery and yet when it is corrected, you might have to pay.
• Jacksonville, Florida
29 Jul 11
I do not blame you at all. It is really scary and terrible things can happen! Exactly, there are plenty of dishonest people in this world. Sad but most definitely true. You never know if the person is going to completely screw you over.
1 person likes this
@youless (87160)
• Guangzhou, China
30 Jul 11
I had such kind of purchase in the past. At that time I wanted to buy a Dell laptop from Dell company via the phone. I told them my credit card information. I am not very afraid of it anyway. As Dell is a big company and it shall be reliable. I love China
• Jacksonville, Florida
28 Jan 12
Maybe the company is reliable but you never know who your dealing with through the phone. To me that is a scary thought!
• United States
30 Jul 11
Well, it would be pretty stupid to use someone's credit card because first of all it is a huge crime with huge risk attached to it and second of all it is EASILYY tracked. If someone orders something with your card to their house, their address will be known. If they go into a store and buy something, there are usually security cameras.
• Jacksonville, Florida
31 Jul 11
Well yeah but some people don't care about prison obviously or our prisons wouldn't be so crowded right now... It is easily tracked but I am sure it takes some time for this and so what your out of money while your waiting? That stinks. Well at my job there are no security cameras at all and people pay over the phone all the time, every day. Matter of fact I had two payments over the phone just today at work. It's just a scary thought to me!
@SomeCowgirl (32273)
• United States
30 Jul 11
I suppose I've never really thought about it. I am sure peopl are screened very heavily with jobs like that. They need to know that they are trustworthy indiviuduals. However, I believe that if anyone is down on their luck, they may try anything and so what they may not have thought was a moral thing to do, might not matter, such as stealing people's information. Of course I know you guys have to be recorded (as in video camera) while doing this stuff, but people can be very sneaky. I'm secure in knowing if that happens, I can just contact my bank. I don't have a credit card anymore and so if a purchase comes through I didn't make, I'll just call my bank up.
• Jacksonville, Florida
31 Jul 11
I never thought about it either until this job! I wasn't screened at all for my job actually and I have to take payments over the phone every single day. So, no were not all screened. Thank God I am a trustworthy person and would not do that but some people would. I am not video recorded either, I'm not really sure where you heard that. We are not a bank or anything, there are no cameras where I work at all anywhere. We are a small propane company.
@naija4real (1293)
30 Jul 11
I certainly agree with you that it is frightening to give one's personal information like credit card information over the telephone network. This is because the information could get to the wrong hands. I suggest you make a detailed enquiry concerning who is requesting for such an information.
• Jacksonville, Florida
30 Jul 11
I work for a propane company so they have the option to make their gas purchases over the phone. A lot of our customers do this. I just wouldn't do it if it was me...
@bounce58 (17550)
• Canada
2 Aug 11
I've been buying a few things online for a business that I've put up recently. And although it isn't over the phone, it still scares me a bit about all the information I put out there. I am a trusting person, but if there were some people out there who are up to no good, they could easily get my information and use it for their own means. This, I try to overcome as my business is also an online store. We would also be receiving information online and through the phone. All I can do, is try my best to keep the information my customers give me.