Lesbian House Hunters 3 - review by Danielmayu33216| Author | Post |
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rearadmiral  All-Star Member 6553 Posts 12/11 |  Posted - Dec 1 2022 : 8:00AMDoes anyone know what a charge from a company listed as "Epoch *Gunnstudio" or "Epoch *Gunnstudio Guernsey" would be? It showed up on my credit card a couple of days ago. It isn't my charge, and Visa removed it, but I'm curious if anyone else has seen this specific charge and how they may have accessed my card. The use of the word "Epoch" in the name was an obvious reason for me to check the biller, Epoch, to see if something had come through there. I have no current memberships billed through them and they had no record of this charge. By way of background, I have a specific "porn" card. It has a low limit and I keep it locked except for short periods when I'm joining a site. It gets locked again immediately after I join. The window to access this card is narrow. Most of my memberships bill through billers that I know and trust. In the couple of days leading up to this charge I took advantage of several Black Friday discounts. These are: Got Filled - Customercare.co I consider CC Bill to be top-tier and would be surprised if any site using them was the problem. Also, I checked CC Bill and they had no such charge. I contacted Customercare.co and they told me that the only charge they had on record was the fee for Got Filled, and the amount was correct. I contacted my bank and they said they'd look into it. The charge disappeared not long after that so I suspect they ruled in my favour. That isn't surprising since the history on that card shows repeat charges from companies like CC Bill, Epoch and other common porn billers. This charge from "Epoch *Gunnstudio Guernsey" was not part of my buying history. Also, all the charges on my card ranged from $20 to $40 whereas the disputed charge was for $140, which is a red flag in itself. Finally, the mere use of the word "Guernsey" was probably a red flag too, considering they have lax business laws and are a place that attracts shady operators. Has anyone encountered this charge before? I Googled it and came up dry. As for the final outcome, as I said, the charge was removed and I cancelled the card. I have a new porn card on the way. I realize that some may offer some advice, and I'll appreciate that, but note that Canadian banks don't offer re-loadable credit cards as US banks do. That would be a simple and effective solution. If I could get a CC that has zero balance until I load money on it online, that would be great, but I can't. I can buy a pre-paid card but they have exorbitant fees. The fees on those can eat up your entire balance in a short time. Canadian banks do offer an online debit card that may be a solution - provided I could open a specific porn account. If I had a specific porn account and wanted to join a site that cost $25, I could put money in the account and do the transaction. If any fraudulent arsehole came alone afterwards and tried to charge $140 there wouldn't be any funds. Any thoughts will be appreciated! Thanks folks!  [Link] |
| HumptyRumpty Senior Member 1667 Posts 8/18 | Posted - Dec 1 2022 : 12:41PM Does your bank offer one-time credit card numbers? If you're not familiar with them, they work as follows. You log into your online credit card account and request a one-time CC number. You then give the merchant that CC number, instead of your real one. Your bank handles the rest. It would definitely help avoid situations where somebody who gets hold of your CC number wants to use it for additional charges.  [Link] |
| Flash Golden Age Classic 11017 Posts 5/01 | Posted - Dec 1 2022 : 5:30PM [Link] |
| Simple Simon Senior Member 12302 Posts 2/15 | Posted - Dec 1 2022 : 10:52PM What a great idea. You ahould probably suggest this to the whole forum. Oh, and i thought banks all over the world offerred Visa debit cards. [Link] |
| rearadmiral All-Star Member 6553 Posts 12/11 | Posted - Dec 2 2022 : 8:20AM Simon - I think you're right, and I think this could be my solution. My bank does offer this. I did some digging and found this out. It turns out my wife has one of these Visa debit cards too. (I didn't know that because we have separate finances - she's a spender and I'm a saver. She'd bankrupt us in a month if she had access to both incomes.) I suspect that I can open a new account and get a Visa debit on it and use that for porn purchases. It's worth a try. [Link] |
| Drew Black broken crankshaft 8028 Posts 9/99 | Posted - Dec 2 2022 : 10:35AM |
| Simple Simon Senior Member 12302 Posts 2/15 | Posted - Dec 2 2022 : 2:25PM Coincidentally, i have a Visa debit card that came with a new transaction account i opened with a bank.. Now I'd never actually used it, or even activated it. Late one evening i got a text from my bank with a verfication code for a Kmart transaction. Someone had tried to make a purchase with the numbers, and i got a text from my bank as part of their 2-factor authorization. Now, I'd never used the card, so how did they get the numbers? [Link] |
| Flash Golden Age Classic 11017 Posts 5/01 | Posted - Dec 2 2022 : 3:30PM [Link] |
| Simple Simon Senior Member 12302 Posts 2/15 | Posted - Dec 2 2022 : 4:35PM And through the wonders of modern technology, look what I'm able to show. [Link] |
| Flash Golden Age Classic 11017 Posts 5/01 | Posted - Dec 2 2022 : 5:12PM [Link] |
| rearadmiral All-Star Member 6553 Posts 12/11 | Posted - Dec 3 2022 : 10:13AM [Link] |
| rearadmiral All-Star Member 6553 Posts 12/11 | Posted - Dec 3 2022 : 10:18AM I didn't say this to the bank person I was talking to, but I thought it when she said that the bank can't have a Visa debit associated with anything other than your primary account. My thought was that the bank CAN do this, they just WON'T do it. I'll stick with my usual way with a low-limit porn card and cancel it WHEN it gets hacked, which seems to happen every two years. [Link] |
| Simple Simon Senior Member 12302 Posts 2/15 | Posted - Dec 4 2022 : 1:42AM ^^^ Wow! If the charge is disputed, the bank will debit the funds back from the merchant, and require the merchant to prove it was an authorised transaction. So it's in the store's interests to do all they can to ensure the charge is valid. [Link] |
| georgez Member 760 Posts 4/03 | Posted - Mar 20 2023 : 12:00PM [Link] |
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