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In The Media

Credit Card Fraud Has a Yellow Alert

by Larry Chiang on September 24, 2014

By Larry Chiang
Hahaa, my email friend Julia Ashworth just sent me a yellow alert
 A yellow alert, I’m guessing, is a precaution based on the fact that my credit card was used in a “home depot”. A chase alert just said “Sometime in the next three weeks, we will send you a visa card”
There is fraud. It’s just not that urgent.
There is fraud, but we got this
Also, it’s funny that the phrase “Zero liability protection” has a double meaning. But because I’m a credit industry expert, I get it

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E-mail Security Information.
Your new card is on the way

Dear Lawrence H Chiang: 

Protecting your financial information is one of our highest priorities. We’re sending you a new card because a security breach at The Home Depot may have put your United MileagePlus card, ending in XXXX, at risk. You should receive your new card in the next three weeks.

Here’s what you should do: 

Keep using your current card ending in “XXXX” until your new one arrives.
Monitor your account for any purchases that you don’t recognize.
Contact companies who automatically charge your account (cable, cell phone, insurance, etc.) once you receive your new card. Give them the new card number and expiration date.

Here’s what you should know:

All of our cards have Zero Liability protection1. That means you’re not liable for unauthorized transactions that you promptly report to us.
If you have a rewards balance, we’ll automatically transfer it to your new card.
We’ll continue to monitor your account to help identify any unusual activity. If we detect it, we’ll notify you.

Thank you for your business and trust. 


Julia Ashworth
Senior Vice President

Para hablar con un especialista de servicio al cliente en espanol llamenos al

For deaf and hard of hearing customers: 1-800-955-8060.

1Zero Liability protection: Chase reimburses you for any unauthorized card transaction made at stores, ATMs, on the phone or online when reported promptly. Certain limitations apply. For debit and ATM cards, please see the Deposit Account Agreement for details. For credit cards, please see the Cardmember Agreement. For Chase Liquid Cards, please see the Chase Liquid Agreement.

E-mail Security Information
E-mail intended for: Lawrence H Chiang. For your account ending in: XXXX.


If you are concerned about the authenticity of this message, please call the phone number on the back of your credit card and reference the Chase Library Code: xxxxxxx. If you would like to learn more about e-mail security or want to report a suspicious e-mail.
This service message was delivered to you as a Chase Credit Card customer to provide you with account updates and information about your card benefits. Chase values your privacy and your preferences.

If you want to contact Chase, please do not reply to this message, but instead go to For faster service, please enroll or log in to your account. Replies to this message will not be read or responded to.

Your personal information is protected by state-of-the-art technology. For more detailed security information, view our Online Privacy Policy. To request in writing: Chase Privacy Operations, P.O. Box 659752, San Antonio, Texas 78265-9752

© 2014 JPMorgan Chase & Co.

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{ 1 comment… read it below or add one }

Megan Denyer February 25, 2015 at 9:13 am

From a business perspective, reducing credit card fraud starts with the human element – specifically – with comprehensive security awareness training. While companies often spend untold sums of money on the latest and greatest hardware and software products, they fail to recognize the importance of training and educating employees on security issues, threats, and best practices. There are a multitude of programs available online, many for free, so there?s really no excuse. Want to stay in business, then protect cardholder data by training your employees on important security issues and threats ? it?s really that simple.
From a personal perspective, individuals just need to be very careful as to who they give their cardholder data information to, and watch out for fraudulent charges, which means reviewing monthly statements and looking for any anomalies.

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