credit card fraud? have you been done recently?

schoolrunmum

I had my A and L debit card done earlier this year...over 2K taken,mostly on Airline tickets. Now I used to work in airline reservations so tried calling them (Ryanair) so they could cancel the booking, but they were'nt interested...I just wanted the crims to turn up at the check in desk to find their reservation cancelled...they just didn't want to know.....
A and L were pretty good at refunding quickly though....

ElkyElky

iblametheparents wrote: »

A fraudster doesn't have to "get" your debit card number. They randomly try different combinations of card number/expiry dates/cvv numbers until they hit a valid card and then blitz the hell out of the card!!

There was a debate about that before. That is very near impossible to generate all 3 sets of numbers and even then, they couldn't possibly test every combination (which is probably hundreds of trillions) to see if it works.

INT1

Yes that's correct, they do generate random card numbers too, this is called a Credit Master attack but is less popular compared with the 90's as merchants ask for a CVC.

Unfortuntaely the Police can only crime if you have been the victim, 90% of cases the bank is the victim as they suffer the loss and it all depends on what their policies are (Current workloads) if they decide to crime or not.

John_Pierpoint

No the p**r bl**dy merchant is the victim, the bank simply does a charge back and knocks the fraudulent amount off the shop keeper's account.

No wonder the banks have no incentive to sort things out. The police don't want the work because they joined up for a bit of action man stuff.
The government don't want to admit that fraud is going to bring this country to its knees (banana republic anyone?) because we all know that the government is tough on crime and tough on the causes of crime.
Oh yes as we have seen on here the snivelling little fraudster mule just gets patted on the head by a kindly judge - it is a victim less white collar crime isn't it.

This is what is called joined up government !

LinD

I still find this kind of thing shocking - that all they need is a card number (probably randomly generated). They got around to me again pretty quickly )-:

Anyway, having reported it on Monday I got my new Debit Card today from Barclays. I can't use it of course, because the thieves entirely cleaned out my bank account. And I don't want to use it in case the details get found out, but in any case it will get randomly generated again ...... so whether I even use it I will seemingly still be at risk. So just owning a Debit Card is a problem!

I hope the bank will get my money back in my account soon.

shays_mum

Yep on my capital one credit card recently, but the weird thing was none of the recent transactions they went over were dodgy!, but they cancelled & sent a new one just got it today.
HTH

Paul_Herring

John_Pierpoint wrote: »

No the p**r bl**dy merchant is the victim, the bank simply does a charge back and knocks the fraudulent amount off the shop keeper's account.

No wonder the banks have no incentive to sort things out. The police don't want the work because they joined up for a bit of action man stuff.

Um... Followed by..

The government don't want to admit that fraud is going to bring this country to its knees (banana republic anyone?)

Hyperbole much?

John_Pierpoint

Perhaps, we have a country where 10% of our wealth comes from financial services and how much money per head have we "invested" to prevent our banks going bankrupt?
What is the current level of government deficit?
What unique skills or special geographical inheritance does our off shore island of 60 - 70 million souls have?
A stable social structure of ambitious families, well educated children and a "protestant" style work ethic?
A thriving export industry based on high value added & technically advanced products?
(well in some fields yes)
A sound currency with strong gold reserves? Woops
North Sea oil and gas? Woops burnt that. (cf Norway)

Once upon a time the world's third richest country was Argentina.

oldone_2

My wife had her credit card cloned last year. I didn't bother reporting it since the thief was spending less than my wife did on the card.:D

shaymenRup

A number of issues here. It was always apparent that chip and pin would be floored. One number to access cash, where as previously it used to be a signiture or a PIN for cash.

A seperate security question for a cash withdrawl at a hole in the wall (for credit cards) would stop most of the fraud straightaway.

Other Internet goods transactions should automatically use a seperate security screens, where further security information is asked - using a secure site.

My general advice for PIN transactions is as follows

Hole in the wall

Place both hands together over the pin pad and use a middle digit of either hand to press the PIN number. Takes practice but ensures that any spyholes / shoulder hoverers cant see your PIN.

Handheld device

Place machine down, turn away from staff, and dont let them watch you. Cover over pad with one hand use middle digit of other hand to punch code. Again much harder to see middle digit if you leave other fingers spread out covering middle digit.

However nothing is foolproof, keep your cards safe. Report anything suspicious straight away to your bank. NEVER leave PINs with your cards.

I hope I don't come across as patronising, but i've found these methods have worked for me.