Credit Card Fraud
 

On Wednesday, December 9, 2015 at 7:28:38 AM UTC-5, John H. wrote:
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!

That was my experience. You put it in, wait, OK the charges, wait a bit longer, then you can remove it.

Credit Card Fraud
 

On 12/8/2015 7:23 PM, Alex wrote:
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.

My wife was at a gas station, put her card in, pumped $1 before
noticing the cash price was cheaper. She stopped and bought the rest
with cash. I got a call about the $1 charge,they said thieves sometimes
test a card with a small charge.
Mikek

Credit Card Fraud
 

On Wed, 09 Dec 2015 07:28:44 -0500, John H.
wrote:

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.

The entire transaction is about the same time. The only thing
different is how long you have to wait to put your card away.

Credit Card Fraud
 

wrote:
On Wednesday, December 9, 2015 at 7:28:38 AM UTC-5, John H. wrote:
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!

That was my experience. You put it in, wait, OK the charges, wait a bit
longer, then you can remove it.


Overall, is the time much different than a swipe and waiting for the
receipt and signing?

Credit Card Fraud
 

On Wednesday, December 9, 2015 at 11:48:09 AM UTC-5, Califbill wrote:
wrote:
On Wednesday, December 9, 2015 at 7:28:38 AM UTC-5, John H. wrote:
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!

That was my experience. You put it in, wait, OK the charges, wait a bit
longer, then you can remove it.


Overall, is the time much different than a swipe and waiting for the
receipt and signing?

To me it seems a bit longer. The biggest thing is that it's intolerant of removing your card too soon. I'd think that once it reads the chip, and that should take less than a second, it would be done with your card. That's seemingly not the case.

Credit Card Fraud
 

On Wed, 9 Dec 2015 09:07:16 -0800 (PST), wrote:

On Wednesday, December 9, 2015 at 11:48:09 AM UTC-5, Califbill wrote:
wrote:
On Wednesday, December 9, 2015 at 7:28:38 AM UTC-5, John H. wrote:
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!

That was my experience. You put it in, wait, OK the charges, wait a bit
longer, then you can remove it.


Overall, is the time much different than a swipe and waiting for the
receipt and signing?

To me it seems a bit longer. The biggest thing is that it's intolerant of removing your card too soon. I'd think that once it reads the chip, and that should take less than a second, it would be done with your card. That's seemingly not the case.

It is actually interactive with the chip, not just a read only
operation like the mag stripe..

Credit Card Fraud
 

On Wed, 9 Dec 2015 06:53:12 -0600, amdx wrote:

On 12/8/2015 7:23 PM, Alex wrote:
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.

My wife was at a gas station, put her card in, pumped $1 before
noticing the cash price was cheaper. She stopped and bought the rest
with cash. I got a call about the $1 charge,they said thieves sometimes
test a card with a small charge.
Mikek

They do. The last time I had a card used fraudulently, I had left it at Safeway. By
the time I realized I'd left it, it had been used for a $1 charge at a local gas
station. The bank told me the same thing.

The cashier was fired withing the next hour, union or no union.
--

Ban idiots, not guns!

Credit Card Fraud
 

On Wed, 9 Dec 2015 09:07:16 -0800 (PST), wrote:

On Wednesday, December 9, 2015 at 11:48:09 AM UTC-5, Califbill wrote:
wrote:
On Wednesday, December 9, 2015 at 7:28:38 AM UTC-5, John H. wrote:
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!

That was my experience. You put it in, wait, OK the charges, wait a bit
longer, then you can remove it.


Overall, is the time much different than a swipe and waiting for the
receipt and signing?

To me it seems a bit longer. The biggest thing is that it's intolerant of removing your card too soon. I'd think that once it reads the chip, and that should take less than a second, it would be done with your card. That's seemingly not the case.

ditto, but I've never timed it.
--

Ban idiots, not guns!

Credit Card Fraud
 

On Wed, 09 Dec 2015 12:48:36 -0500, John H.
wrote:

On Wed, 9 Dec 2015 06:53:12 -0600, amdx wrote:

On 12/8/2015 7:23 PM, Alex wrote:
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.

My wife was at a gas station, put her card in, pumped $1 before
noticing the cash price was cheaper. She stopped and bought the rest
with cash. I got a call about the $1 charge,they said thieves sometimes
test a card with a small charge.
Mikek

They do. The last time I had a card used fraudulently, I had left it at Safeway. By
the time I realized I'd left it, it had been used for a $1 charge at a local gas
station. The bank told me the same thing.

The cashier was fired withing the next hour, union or no union.

I left my credit/debit card in the ATM in Driggs Idaho and went off to
Jackson Wy for the day.
When I figured out it was missing I went back to the bank and the
manager had it. They said they were waiting for me before they voided
it. A customer found it and turned it in. If I was on the East coast I
would expect to have it maxed out.

Credit Card Fraud
 

On Wed, 09 Dec 2015 12:49:38 -0500, John H.
wrote:

On Wed, 9 Dec 2015 09:07:16 -0800 (PST), wrote:

On Wednesday, December 9, 2015 at 11:48:09 AM UTC-5, Califbill wrote:
wrote:
On Wednesday, December 9, 2015 at 7:28:38 AM UTC-5, John H. wrote:
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!

That was my experience. You put it in, wait, OK the charges, wait a bit
longer, then you can remove it.


Overall, is the time much different than a swipe and waiting for the
receipt and signing?

To me it seems a bit longer. The biggest thing is that it's intolerant of removing your card too soon. I'd think that once it reads the chip, and that should take less than a second, it would be done with your card. That's seemingly not the case.

ditto, but I've never timed it.

You would need to use a lot of samples to know much because network
traffic will make a difference on both of them, It gets a lot slower
when a lot of people are shopping ... like now.
When they get the RFID part working, you might not even have to take
it out of your wallet. I will feel better about this when they get a
good encryption system going so people can't read the card in your
wallet. We may end up with longer passwords tho. My BoA card is
already 6 digits. No I didn't make it my birthday. It was my locker
combination in high school.

I still have that lock. ;-)