On Tue, 08 Dec 2015 12:05:51 -0500,
wrote:

On Tue, 8 Dec 2015 11:24:36 -0500, "Mr. Luddite"
wrote:


I've been getting replacement cards with the new "chip" embedded in
them. So far though, I have not found any place that uses them yet.
They still swipe the magnetic strip.


Our local Walmart has converted, not many others however.

The chip without the PIN is only half of the security available.

On Tue, 8 Dec 2015 11:24:36 -0500, "Mr. Luddite"
wrote:


I've been getting replacement cards with the new "chip" embedded in
them. So far though, I have not found any place that uses them yet.
They still swipe the magnetic strip.


"I have a couple of chip cards. A few merchants are using the chip
(insert the card in a slot and leave it there). None are using the
password feature yet tho.

In New Zealand they just wave their card at the terminal and enter a
password."


The banks and retailers want us to use the 'tap and go' system.
I refuse and insist that they disable that feature from my credit cards. After all...how long does it take to punch in a four number password?

On Tuesday, December 8, 2015 at 12:24:00 PM UTC-6, wrote:
On Tue, 8 Dec 2015 07:03:48 -0800 (PST), True North
wrote:

Happened to me last year at this time. Someone was using my debit card out in the western US.
At that time I was seldom using it except at ATMs but did buy gas on the edge of town then the local news reported that a number of similar victims had come to light around the same time. Took just over a week for the bank to reimburse my $ 400 something dollars.

These are usually "card skimmers". They install a device on a gas pump
or other reader that skims your card and traps the data.

That;s why most of the Casey's have a seal over the lock on the pumps, and a decal asking customers to report if the seal looks to be tampered with.

Some stations are going total 'pay inside' too

On Tue, 8 Dec 2015 11:24:36 -0500, "Mr. Luddite" wrote:

On 12/8/2015 11:03 AM, amdx wrote:
On 12/8/2015 8:20 AM, John H. wrote:
So yesterday evening I get a call from my bank asking about my credit
card usage. Not
trusting the caller, I called the bank. Sure enough, my credit card
information had
been used at a Shell station in California for a $110 purchase. The
actual card was
still in my billfold, so somehow they got the number.

How? I don't know. But the card is cancelled. Right when I'm about to
order Christmas
presents. Pain in the ass. Luckily, the bank will get me a new card in
two days.

So...watch yourself.
--

Ban idiots, not guns!


When my daughter was off at college we had fraud on our card twice.
The first time about a Red Roof stay, $100 of stuff at a CVS and a
$200 steak dinner.
The second time, a bunch of around $50 charges of Apple tunes.
Replaced the card both times.
There seemed to be a lot of that happening around the college town,
but the fraudulent charges happened in a different city.

This fraud crap is costing all of us, in the way of higher cost goods.
I hope the new cards they are coming out with help contain fraud.

Mikek



I've been getting replacement cards with the new "chip" embedded in
them. So far though, I have not found any place that uses them yet.
They still swipe the magnetic strip.

WalMart uses the chip.
--

Ban idiots, not guns!

Mr. Luddite wrote:
On 12/8/2015 10:03 AM, True North wrote:

Happened to me last year at this time. Someone was using my debit
card out in the western US.
At that time I was seldom using it except at ATMs but did buy gas on
the edge of town then the local news reported that a number of
similar victims had come to light around the same time. Took just
over a week for the bank to reimburse my $ 400 something dollars.


I've read that the card scanners used at gas pumps, ATM's and other
locations are replaced with some jerk's scanner that looks like it's the
original. His collects all your card info.




Restaurants are the biggest source from what my bank told me. The
server swipes your card in another machine to gather the data and sell it.

John H. wrote:
On Tue, 8 Dec 2015 10:13:06 -0500, "Mr. Luddite" wrote:

On 12/8/2015 10:03 AM, True North wrote:

Happened to me last year at this time. Someone was using my debit card out in the western US.
At that time I was seldom using it except at ATMs but did buy gas on the edge of town then the local news reported that a number of similar victims had come to light around the same time. Took just over a week for the bank to reimburse my $ 400 something dollars.

I've read that the card scanners used at gas pumps, ATM's and other
locations are replaced with some jerk's scanner that looks like it's the
original. His collects all your card info.

A couple weeks before Christmas is *not* a good time for this to happen.

I tried, this morning, to go to my statement at the bank's site to see if I could
figure out where this may have happened. But, everything and anything to do with that
card has been removed from my account.

I was really surprised that the bank, Pentagon Federal, would have caught that
charge. Perhaps their computers are programmed to compare usage times and realized I
couldn't have used the card here and in California only a couple hours later.
--

Ban idiots, not guns!


Bank of America has declined charges at a local gas station we frequent
often - go figure. On the other hand I have used my card during the
same hour my wife was in another state using her card with the same
number and we were both away from home.

Mr. Luddite wrote:
On 12/8/2015 10:27 AM, John H. wrote:
On Tue, 8 Dec 2015 10:13:06 -0500, "Mr. Luddite"
wrote:

On 12/8/2015 10:03 AM, True North wrote:

Happened to me last year at this time. Someone was using my debit
card out in the western US.
At that time I was seldom using it except at ATMs but did buy gas
on the edge of town then the local news reported that a number of
similar victims had come to light around the same time. Took just
over a week for the bank to reimburse my $ 400 something dollars.


I've read that the card scanners used at gas pumps, ATM's and other
locations are replaced with some jerk's scanner that looks like it's
the
original. His collects all your card info.


A couple weeks before Christmas is *not* a good time for this to happen.

I tried, this morning, to go to my statement at the bank's site to
see if I could
figure out where this may have happened. But, everything and anything
to do with that
card has been removed from my account.

I was really surprised that the bank, Pentagon Federal, would have
caught that
charge. Perhaps their computers are programmed to compare usage times
and realized I
couldn't have used the card here and in California only a couple
hours later.


The banks and credit card companies have become pretty good at
tracking your spending habits and locations. Last year at about this
time I decided to drive to SC to spend Christmas with my son. When I
arrived at the hotel and tried to pay for the stay with a card, I got
a request to contact the issuer. Once they confirmed it was really
me, the payment was processed. I was told that it is a good idea to
call the issuers of debit and credit cards and let them know you will
be traveling and using the cards in locations they are not normally used.




You can do that on their websites now. I was declined a few years ago
for a $40 sweatshirt in Las Vegas after I had charged $150 for dinner in
the same town. They said I should notify them of my travel but it still
didn't make much sense.

wrote:
On Tuesday, December 8, 2015 at 11:24:40 AM UTC-5, Mr. Luddite wrote:
On 12/8/2015 11:03 AM, amdx wrote:
On 12/8/2015 8:20 AM, John H. wrote:
So yesterday evening I get a call from my bank asking about my credit
card usage. Not
trusting the caller, I called the bank. Sure enough, my credit card
information had
been used at a Shell station in California for a $110 purchase. The
actual card was
still in my billfold, so somehow they got the number.

How? I don't know. But the card is cancelled. Right when I'm about to
order Christmas
presents. Pain in the ass. Luckily, the bank will get me a new card in
two days.

So...watch yourself.
--

Ban idiots, not guns!

When my daughter was off at college we had fraud on our card twice.
The first time about a Red Roof stay, $100 of stuff at a CVS and a
$200 steak dinner.
The second time, a bunch of around $50 charges of Apple tunes.
Replaced the card both times.
There seemed to be a lot of that happening around the college town,
but the fraudulent charges happened in a different city.

This fraud crap is costing all of us, in the way of higher cost goods.
I hope the new cards they are coming out with help contain fraud.

Mikek


I've been getting replacement cards with the new "chip" embedded in
them. So far though, I have not found any place that uses them yet.
They still swipe the magnetic strip.
I've used my chip at Lowes a couple of times. It may be more secure, but it's slower and a bit of a PITA as compared to just swiping.


I didn't find it to be slower. They slide it in the machine rather than
swiping. Same thing in my experience.

Justan Olphart wrote:
On 12/8/2015 10:03 AM, True North wrote:
Happened to me last year at this time. Someone was using my debit
card out in the western US.
At that time I was seldom using it except at ATMs but did buy gas on
the edge of town then the local news reported that a number of
similar victims had come to light around the same time. Took just
over a week for the bank to reimburse my $ 400 something dollars.

I assume you are replying to John's post. Do they have any decent news
readers for blackberrys?
Debit cards aren't the safest. You're lucky to get your money back.


You used to be able to ask them to run it as a credit card and get the
support from Visa or MC. Now the chip readers know the difference and
you don;t get a choice.

On Tue, 8 Dec 2015 20:30:06 -0500, Alex wrote:

wrote:
On Tuesday, December 8, 2015 at 11:24:40 AM UTC-5, Mr. Luddite wrote:
On 12/8/2015 11:03 AM, amdx wrote:
On 12/8/2015 8:20 AM, John H. wrote:
So yesterday evening I get a call from my bank asking about my credit
card usage. Not
trusting the caller, I called the bank. Sure enough, my credit card
information had
been used at a Shell station in California for a $110 purchase. The
actual card was
still in my billfold, so somehow they got the number.

How? I don't know. But the card is cancelled. Right when I'm about to
order Christmas
presents. Pain in the ass. Luckily, the bank will get me a new card in
two days.

So...watch yourself.
--

Ban idiots, not guns!

When my daughter was off at college we had fraud on our card twice.
The first time about a Red Roof stay, $100 of stuff at a CVS and a
$200 steak dinner.
The second time, a bunch of around $50 charges of Apple tunes.
Replaced the card both times.
There seemed to be a lot of that happening around the college town,
but the fraudulent charges happened in a different city.

This fraud crap is costing all of us, in the way of higher cost goods.
I hope the new cards they are coming out with help contain fraud.

Mikek


I've been getting replacement cards with the new "chip" embedded in
them. So far though, I have not found any place that uses them yet.
They still swipe the magnetic strip.
I've used my chip at Lowes a couple of times. It may be more secure, but it's slower and a bit of a PITA as compared to just swiping.


I didn't find it to be slower. They slide it in the machine rather than
swiping. Same thing in my experience.

Well just push it in the slot and pull it right back out, like in swiping, and see
who gets yelled at by the cashier!

You gotta wait for the machine to tell you it's OK to remove your card or you'll get
your damn hand slapped.

It takes longer.
--

Ban idiots, not guns!