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Old 07-08-2017, 03:32 PM   #11 (permalink)
 
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I travel quite a bit with my consulting business, and it got so that my credit card and my debit card for my business were being compromised about twice a year. I decided to scrape off the the digit code on the back of the cards and have those numbers in my wallet that I could access. They're disguised as phone numbers so it is not really obvious what the numbers are. This really seems to help, since most places require that three digit code to accept a card. In fact, I haven't had one compromised since I scraped off the numbers. Just a thought...

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Old 07-08-2017, 03:54 PM   #12 (permalink)
 
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Interesting conversation with my bank yesterday. Their suggestion is to open a second free checking account tied to a new Debit Card, and keep the old account with no card attached for deposits only. By transferring money between accounts for purchases, it would at least limit the hit should the new account card be hacked. More of a hassle, but something to think about.
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Old 07-08-2017, 05:19 PM   #13 (permalink)
 
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That's what I did and instead of signing the card I put photo ID required. Half the time they don't look for the signature. Some of these businesses are not helping the problem run the card don't look. Online is even harder to protect. I have one card for online and add money as I need it.
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Old 07-09-2017, 09:42 AM   #14 (permalink)
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I am surprised that American cards seem to not have the chip-and-pin or tap-to-pay technology built in

I cannot recall the last time I had to physically give my card to someone else to pay for a purchase.
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Old 07-09-2017, 10:40 AM   #15 (permalink)
 
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Quote:
Originally Posted by maxwell_smart007 View Post
I am surprised that American cards seem to not have the chip-and-pin or tap-to-pay technology built in

I cannot recall the last time I had to physically give my card to someone else to pay for a purchase.
There has been a change over the past couple of years - all new cards now have both chips and magnetic stripes, and can be used in either conventional stripe readers or 'dipped' into chip readers. In either case, a signature may be required.

Cards with chips can also be used in the 'chip and pin' mode in which you insert the card in the reader, and are then required to key in a pin. This approach requires that there be a real-time connection between the card reader and the bank's datacenter. So the difference is not in the card, but rather in the merchant's transaction terminal.

Chip technology also permits 'near field communications' that does not require that the card be 'dipped' (the new term for inserting the card into a reader). I have not seen contactless transactions terminals in the US (they are common in other countries). Part of the issue may be cost, but part may also be the concern that if data on a card can be read at a distance without touching the card, then what is to prevent a clever thief with a scanner to collect that same data simply by walking past the card holder on a sidewalk? In fact, there is a growing market for so-called 'security wallets' that supposedly shield a card from unwanted contactless scanning.

There is a relatively small number of credit card companies who actually issue these cards. But they claim that they can't make the change to new technology any faster because of the vast number of transaction terminals and also intermediary companies involved in linking transaction terminals back to banks. The very large banks have all adopted chip technology, but some smaller banks have not.
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Old 07-09-2017, 11:42 AM   #16 (permalink)
 
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I had that happen last year. Apparently there was a skimmer on a gas pump somewhere and they got my number and made a fake card with my number on it. They charged about 4 grand at various resorts in Florida and Georgia over a weekend. Didn't cost me anything but the inconvenience of having the card cancelled and having to notify everyone who got auto pay on that card. But is was really aggravating.
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Old 07-09-2017, 01:50 PM   #17 (permalink)
 
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Been there as well. Only have about 3 things on auto pay so that wasn't to bad and I have a second card I only use about once a year to keep it active. When I buy online I use paypal or do without. I have paypal linked to a separate bank account in a different bank that only has about $50 in it any time. If I need to purchase anything I transfer money from my main bank account.
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Old 07-09-2017, 05:48 PM   #18 (permalink)
 
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Interesting. Our bank allows a certain number of transfers between checking and savings. When you exceed that number, there is a fee for each transaction. I don't have anything on autopay. Don't trust it. I can write three checks faster than I can get on the internet. Plus, I see where the $$$ goes right away.
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Old 07-09-2017, 07:19 PM   #19 (permalink)
 
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Quote:
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Interesting. Our bank allows a certain number of transfers between checking and savings. When you exceed that number, there is a fee for each transaction. I don't have anything on autopay. Don't trust it. I can write three checks faster than I can get on the internet. Plus, I see where the $$$ goes right away.
Perks of getting old in Canada, most of the banks give us old farts free banking.
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Old 07-11-2017, 05:59 PM   #20 (permalink)
 
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That's happened 4 times in the last 18 months to me. And that's not counting the 3 forced upgrades to the in card chip that doesn't work any more.

So yeah, over the last 18 months, I've been issued 7 new cards. The first 2 were by the bank cause they wanted to improve security with those stupid chips, and after the first didn't work, they had to do it again. And then my card got immeditately hacked. And then they had to fix the security leak again. Then I've had 3 new cards issued since then for fraudulent charges.

I never lost a cent, but it's a pain in the ...
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