This is not a rapture subject but I am posting it here for you so you will be aware of the newest schemes that thieves are using to access your account. I received this i n am email from my brother. Sue

FAIR USE FOR INFORMATION AND DISCUSSION PURPOSES

> > This may have been around before, but worthy as a reminder to be more
> > cautious and aware regarding use of your credit card!!
> > ESPECIALLY LOOK AT SCENE THREE...

> > SCENE 1.

a friend went to the local gym and placed his belongings in the locker.
After the workout and a shower, he came out, saw the locker open, and thought to
himself,

Funny, I thought I locked the locker...
Hmm, 'He dressed and just flipped the wallet to make sure all was in order.

Everything looked okay - all cards were in place...
A few weeks later his credit card bill came - a whooping bill of $14,000!
He called the credit card company and started yelling at them, saying
that he did not make the transactions
Customer care personnel verified that there was no mistake in the system and
asked if his card had been stolen...

'No,' he said, but then took out his wallet, pulled out the credit
card, and yep -

you guessed it - a switch had been made.
An expired similar credit card from the same bank was in the wallet.
The thief broke into his locker at the gym and switched cards.

Verdict: The credit card issuer said since he did not report the card missing
earlier, he would have to pay the amount owed to them.
How much did he have to pay for items he did not buy?
$9,000! Why were there no calls made to verify the amount swiped?
Small amounts rarely trigger a 'warning bell' with some credit card
companies. It just so happens that all the small amounts added up to a
big one!

> > SCENE 2.

A man at a local restaurant paid for his meal with his credit card.

The bill for the meal came, he signed it and the waitress folded the
receipt and passed the credit card along.

Usually, he would just take it and place it in his wallet or pocket.
Funny enough,

though, he actually took a look at the card and, lo and behold, it was
the expired card of another person.

He called the waitress and she looked perplexed.
She took it back, apologized, and hurried back to the counter under the
watchful eye of the man.

All the waitress did while walking to the counter was wave the wrong
expired card to the counter cashier, and the counter cashier
immediately looked down and took out the real card.

No exchange of words -- nothing! She took it and came back to the man
with an apology..

(This scenario actually happened to me at a local restaurant- Falls
Terrace-between the waitress and the front desk cashier.)

Verdict: Make sure the credit cards in your wallet are yours.

Check the name on the card every time you sign for something and/or

the card is taken away for even a short period of time.

Many people just take back the credit card without even looking at it,
'assuming' that it has to be theirs.

FOR YOUR OWN SAKE, DEVELOP THE HABIT OF CHECKING YOUR CREDIT CARD EACH
TIME IT IS RETURNED TO YOU AFTER A TRANSACTION!

> > SCENE 3:

Yesterday I went into a pizza restaurant to pick up an order that I had
called in.

I paid by using my Visa Check Card which, of course, is linked directly
to my checking account.

The young man behind the counter took my card, swiped it, then laid it
on the counter as he waited for the approval, which is pretty standard
procedure.

While he waited, he picked up his cell phone and started dialing

I noticed the phone because it is the same model I have, but nothing

seemed out of the ordinary. Then I heard a click that sounded like my
phone sounds when I take a picture.

He then gaveback my card but kept the phone in his hand as if he
was still pressing buttons.

Meanwhile, I'm thinking: I wonder what he is taking a picture of,
oblivious to what was really going on.
It then dawned on me: the only thing there was my credit card, so now
I'm paying close attention to what he is doing..

He set his phone on the counter, leaving it open.

About five seconds later, I heard the chime that tells you that the
picture has been saved.

Now I'm standing there struggling with the fact that this boy just took
a picture of my credit card.

Yes, he played it off well, because had we not had the same kind of
phone, I probably would never have known what happened.
Needless to say, I immediately canceled that card as I was walking
out of the pizza parlor.

All I am saying is, be aware of your surroundings at all times.
Whenever you are using your credit card take caution and don't be careless.
Notice who is standing near you and what they are doing when you use

your card.
Be aware of phones, because many have a camera phone these days.

T/Sue & Everybody,

This is precisely why I use cash (NOT a CC) to make purchases.

Surely, one can pay cash for food orders @ takeout places like Pizza Hut/Little Caesar's, etc.; McD's/Burger King, etc.; or Taco Bell. Also, I might add, you can ask them if they accept Senior Discounts too, for us seniors get such discounts.

Also, when you purchase gas @ filling stations, one can pay cash for a fillup too. Infact, I found out that we whom use cash don't have to pay as much for our fillups.

Meaning, CASH IS BETTER!!!

Maranatha!
Tammy