Credit Card Fraud
 

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!

Credit Card Fraud
 

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.

Credit Card Fraud
 

On 12/8/2015 9:20 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.

I received a call once regarding my Discover card. It had been used
that morning to buy over $5k worth of "stuff" in West Palm Beach,
Florida. I was at my house in MA at the time.

Discover was good. They voided the charges made, canceled and replaced
the card.

I haven't used it since though.

Credit Card Fraud
 

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.

Credit Card Fraud
 

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!

Credit Card Fraud
 

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.

Credit Card Fraud
 

- show quoted text -
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.
.........,
Yep, I had that happen to me a coue years ago while in Tennessee. I made a size able purchase ms the card was denied. I was really embarrassed but the sales guy was really helpful and asked me if I notified my card co that I was traveling, which i hadn't.

I called and got it lined out and all was well.
Since then I do call ahead and tell when I'll leave, where going and approx return. It's a good thing.

Credit Card Fraud
 

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

Credit Card Fraud
 

On Tue, 08 Dec 2015 10:27:57 -0500, John H.
wrote:

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.

===

This kind of thing is happening more often as hackers and card
scammers get more adept. The banks and card companies spend millions
and millions on fraud detection and protection and still bad stuff
gets through. They catch a lot of it very quickly however, and if you
travel a lot, they'll catch you also.

We're on the flip side of fraud detection at least a couple of times a
year, even more if we're cruising in the Bahamas or Caribbean. If
you're depending on cards for funds it's important to have at least
two or three different accounts, and with different banks. We give
all of our card companies notice before we travel and still get
tripped up from time to time. It's a nuisance but always gets
resolved quickly after we call them up and reassure them that we
really did buy $3,000 worth of diesel in some out of the way place.

Credit Card Fraud
 

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.

Credit Card Fraud
 

Tim wrote:
- show quoted text -
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.
........,
Yep, I had that happen to me a coue years ago while in Tennessee. I made
a size able purchase ms the card was denied. I was really embarrassed but
the sales guy was really helpful and asked me if I notified my card co
that I was traveling, which i hadn't.

I called and got it lined out and all was well.
Since then I do call ahead and tell when I'll leave, where going and
approx return. It's a good thing.


I do on my debit card. Amex says do not need to call.

Credit Card Fraud
 

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.


Our local Walmart has converted, not many others however.

Credit Card Fraud
 

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.

Credit Card Fraud
 

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.

Credit Card Fraud
 

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 like the chip cards. Overseas is all you use. Waiter brings a reader to
the table, and you never lose sig of the card. They should not be as slow
as they are here.

Credit Card Fraud
 

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.

Credit Card Fraud
 

On Tue, 8 Dec 2015 10:08:15 -0500, "Mr. Luddite"
wrote:

On 12/8/2015 9:20 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.

I received a call once regarding my Discover card. It had been used
that morning to buy over $5k worth of "stuff" in West Palm Beach,
Florida. I was at my house in MA at the time.

Discover was good. They voided the charges made, canceled and replaced
the card.

I haven't used it since though.

My wife seems to get her cards compromised a lot. So far I am OK.
They have her on high security and if she does anything unusual, the
charge will bounce if she hasn't called them first. She certainly has
to call before we go out of town.
I do have the setting where I get an Email for any "card not present"
charges.

Credit Card Fraud
 

On Tue, 08 Dec 2015 10:27:57 -0500, 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.

It is handy to have more than one card. I have several and I use them
for different things so it is a little easier to figure out how one
got compromised and so I am not a vagrant if one is.

Credit Card Fraud
 

On Tue, 8 Dec 2015 08:03:39 -0800 (PST), Tim
wrote:

- show quoted text -
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.
........,
Yep, I had that happen to me a coue years ago while in Tennessee. I made a size able purchase ms the card was denied. I was really embarrassed but the sales guy was really helpful and asked me if I notified my card co that I was traveling, which i hadn't.

I called and got it lined out and all was well.
Since then I do call ahead and tell when I'll leave, where going and approx return. It's a good thing.

The only time I ever got my card put on hold was after I did a "card
not present" in a place where I had just used the card. It was my
fault. I did use the card to rent the boat and when I turned the boat
in I bought a T shirt but my wallet was still in the car. I knew my
number and all the other stuff so she just punched it in.

Credit Card Fraud
 

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.

Credit Card Fraud
 

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.

Credit Card Fraud
 

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?

Credit Card Fraud
 

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

Credit Card Fraud
 

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!

Credit Card Fraud
 

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.

Credit Card Fraud
 

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.

Credit Card Fraud
 

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.

Credit Card Fraud
 

Credit Card Fraud
 

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.

Credit Card Fraud
 

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!

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. ;-)