Victim of Debit Card fraud again - what must I be doing wrong?

black-saturn

nanana wrote: »

black-saturn, first question. You say you've been a victim twice. Did you cancel the relevant card both times?

Yes I cancelled it last time and it has been cancelled this time. I am unable to draw any money out of my account until I get a new one which could be up to 2 weeks!!!!

nanana wrote: »

secondly, have you ever transacted with the relevant cards where they've gone from your sight?

I never ever let the card out of my sight. I have been being extra vigilant since the last time.

nanana wrote: »

secondly, have you ever used the relevant card details on-line - including for online banking?

I don't use online banking.

Inactive

Do any of you use your cards at filling stations?

Lots of reports about cloning at filling stations.

I pay cash for petrol these days.

nanana_2

Hi again black-saturn, your answer to my last question is only partial, have you used it on-line?

The reason I'm asking is that you've been caught twice with two separate cards. This implies (at least the start of) a pattern.

I don't go for the algorythmic argument - if that was the case then a) the card business would be in melt-down and b) the chances of being hit with two different cards would be astronomical.

I'd suggest that the way you had your first numbers nabbed is the same way you had the second one nabbed. The most likely is somewhere you do repeat business - restaurant, garage (as mentioned above) or on-line.

hobo28

I have two cards which I regularly use. One is my debit card, the other is a proper credit card. I use my debit card for day to day stuff and never ever use it online. My credit card gets used for both online and real world stuff.

Several times when I have been a victim of fraud, it has always been with my DEBIT card, not credit. Touch wood to date no-one has compromised my credit card.

My theory is that if you stick to reputable online stores, in order to process credit card transactions they must adhere to some very stringent security measures.

However, I go into a petrol station/restaurant/whatever, I'm handing over my card to any muppet and I've no idea what they are doing with my card.

Chip & PIN was/is supposed to solve all that but already I'm reading reports of doctored machines.

In short, I feel safer buying things online than handing over my CC to some stranger in a store.

jazzyjustlaw

ginger_nuts wrote: »

my mate had his card cloned and used in Comet and stagecoach .He got his money back from the bank . But you may have to prove you didnt use it .( He didnt have to prove anything )

Any idea where his card was cloned.

Spark

I do believe that someone who is buying something in a shop next to the one you are in can get hold of your details while you are doing a transaction.
There is the danger as well of a dishonest shop staff who can get hold of your card details.
Hopefully, the banks now are shredding all bank details of their customers instead of throwing them in the bin unshredded, but is it too much to hope for?
Some staff in call centres used to sell lists of bank and card details to fraudster who were selling them on. Has that practice stopped?
I have reverted to withdraw some money at an ATM and start paying in shops with cash again. All the people I know who had problems said that it happened when buying in a shop, not online.
I used to be quiet confident with my cards before chip and pin was implemented, but now I think I do not trust it, I don't think it's safe at all, probably due to the fact that in the shops you have to type your pin in on machines which most of the time are not placed in a convenient place (too high, in a static position etc.....). Anyone taller than you can look over your shoulder (very easy in my case) and what about the shop cameras?
Call me paranoid, but I do not think that having chip and pin cards are safer than the ones we used to have before.
Try to register for online banking, at least you can check straight away if your account has been tampered with, and it will show the bank that you have been proactive in trying to do something about your problem, be careful that if it happens another time the bank might decide that you can't be trusted with the card and take it away from you even if it's not your fault, it will look like an easy way for them to solve the problem.

bargains83

nanana wrote: »

I don't go for the algorythmic argument - if that was the case then a) the card business would be in melt-down and b) the chances of being hit with two different cards would be astronomical.

I'd suggest that the way you had your first numbers nabbed is the same way you had the second one nabbed. The most likely is somewhere you do repeat business - restaurant, garage (as mentioned above) or on-line.

The algorythmic argument is a very plausable one, even when you request a new card to be issued from the bank it is likely that the only elements that will change are the last 4 digits of the number or at very best the last 8 and the expiry date and CVV2.

Another plausable reason is that because of the number of VISA cards now in circulation it s quite possible that you will get issued with a card number that someone else has had in the past, albehit years ago.

It's card not present transactions that cause all the trouble, CNP is not the most secure way to process cards but if the merchants did checks properly then there wouldn't be all these problems.

number8_2

Shred anything that has any personal details on it.

libra10

If using a wireless broadband connection, ensure that your firewall is enabled with a security code that only genuine network users have access to.

ginger_nuts

jazzyjustlaw wrote: »

Any idea where his card was cloned.

he thinks filling station ,I suspect ebay .
He lives in Northern Ireland and there isnt a comet or stage coach in Northern Ireland .