How do they get your card details

rising_from_the_ashes

Missed several calls from my cc provider yesterday and they finally got hold of me today.

Turns out someone has been trying to make multiple, large value purchases online using my cc:mad:.

Thankfully, all but 1 of these have been declined (the one that's gone through is under investigation & I will not be charged for it) and my card has now been cancelled with a new one arriving soon (bit of a pain as I pay everything on the cc & clear each month so I now have a slight cash-flow problem!).

Anyway, any ideas how they get your details? I did ask the person on the phone who just said it can be a multitude of different ways.

I'm really careful about the sites I purchase from so is it just a case that they put in random numbers and hope for the best (hoping to avoid it happening again in the future).

However, my cards do now all have this "contactless" thing on them (which I'm not a fan of to start with) and have heard people can read the cards as you're walking down the street:eek: - is there anyway to stop this happening?

TIA

udydudy

yes I believe covering your cards with tin foil stop your card from being skimmed.

smj43

I doubt it's the result of somebody stealing your details via contactless technology. It's more likely you have been the victim of phishing, where you receive an email that appears to be from your CC provider and directs you to a clone website where you unwittingly put in your details. Or you could have a virus on your PC which logs your keystrokes so even though you are using a legitimate website, the fraudsters can still steal your information. Unfortunately, there is no way to stop it, just ways in which you can try to prevent it. There are many guides online.

rising_from_the_ashes

Thanks .... will look into that for when the new one arrives - wonder if a bit in your purse/wallet works - or if you have to have each card wrapped in it?

I would feel a bit odd unwrapping my card when buying something in shops but if it stops it happening, I can live with that.

lisyloo

No you cannot do anything to stop it happening.
The card details could have been hacked or stolen from the provider themselves, or a bent employee at the card rpovider has sold them.
There are many ways, you will probably never find out and it may not be anything to do with you e.g. could have happened at the providers end.
You can take sensible precautions e.g. checking ATMs for cameras, not writing your PIN down etc. but there is nothing you can do at the providers end.

rising_from_the_ashes

smj43 wrote: »

I doubt it's the result of somebody stealing your details via contactless technology. It's more likely you have been the victim of phishing, where you receive an email that appears to be from your CC provider and directs you to a clone website where you unwittingly put in your details. Or you could have a virus on your PC which logs your keystrokes so even though you are using a legitimate website, the fraudsters can still steal your information. Unfortunately, there is no way to stop it, just ways in which you can try to prevent it. There are many guides online.

Def no phishing emails ...... and no viruses on the pc - I am pretty security conscious - but I guess someone's always designing something that can slip through. Will be running a full screen of the lappy again, just in case, thanks

rising_from_the_ashes

lisyloo wrote: »

You can take sensible precautions e.g. checking ATMs for cameras, not writing your PIN down etc. but there is nothing you can do at the providers end.

Never thought of that!

Funnily enough I have card protection cover (covers any transactions through fraud that your cc / bank won't refund, home emergency cover, mobile etc) and I've just got the renewal through and was thinking of not renewing it but .....

smj43

rising_from_the_ashes wrote: »

Thanks .... will look into that for when the new one arrives - wonder if a bit in your purse/wallet works - or if you have to have each card wrapped in it?

I would feel a bit odd unwrapping my card when buying something in shops but if it stops it happening, I can live with that.

Don't be silly, this is just ridiculous. If somebody managed to get your details through contactless technology, what would they do with it? They haven't got your pin so they can't make a clone and they haven't got your 3 digit security number so they can't use it online. Plus, of you use 'Verified by Visa/MasterCard', they would need that information also.

rising_from_the_ashes

smj43 wrote: »

they haven't got your 3 digit security number so they can't use it online. Plus, of you use 'Verified by Visa/MasterCard', they would need that information also.

Yes I do have the "verified" site with my cc - I'm assuming this & the fact that they don't have the 3 digit code is why most of them have been declined.

Not sure how 1 has been able to go through without either of these? (It was a hefty amount too) and I really want to try to do everything I can to stop it happening again.

smj43

rising_from_the_ashes wrote: »

Def no phishing emails ...... and no viruses on the pc - I am pretty security conscious - but I guess someone's always designing something that can slip through. Will be running a full screen of the lappy again, just in case, thanks

I like to think I'm security conscious. I've never had any details stolen or any fraud conducted in my name. Until an email came through from my phone provider. It got through to my inbox (not junk folder) and looked so genuine that I fell for it like a fool. Luckily I realised immediately afterwards and changed my password but it was a close call. My point is, no matter how conscious you think you are, sometimes you do get outsmarted!

lisyloo

Funnily enough I have card protection cover (covers any transactions through fraud that your cc / bank won't refund, home emergency cover, mobile etc) and I've just got the renewal through and was thinking of not renewing it but .....

You bank with cover fraudelent transactions.
The only way they won't is if you have been negligent.
An example of negligence are writng your PIN number down, giving details to someone you don't know over the phone etc.
Don't know about the other cover.
You may be covere for emergencies on your home insurance.
Do check but I suspect this is a waste of money.