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ELD
April 29th, 2009, 10:24 AM
Has anyone else here been a victim of someone using your card online, just found out i am, have to go into my local branch and fill out a load of fraud forms, brilliant!

Giant Speck
April 29th, 2009, 10:31 AM
Yeah, I got notified a while back by my bank that my debit card information was part of a large group of files that was hacked into last year. Fortunately for me, the bank sent me a new card and closed my old card upon activation of my new card.

samjh
April 29th, 2009, 10:32 AM
How does one use another person's debit card online?

Giant Speck
April 29th, 2009, 10:35 AM
How does one use another person's debit card online?

All they need is your card number and the three-digit number on the back of the card.

samjh
April 29th, 2009, 10:39 AM
I think we're talking about different kinds of cards.

When someone says "debit card", I think about bank cards used for EFTPOS transactions requiring a PIN.

Are you talking about credit cards which are linked to a transaction account, as opposed to credit cards which are stand-alone?

lisati
April 29th, 2009, 10:43 AM
I think we're talking about different kinds of cards.

When someone says "debit card", I think about bank cards used for EFTPOS transactions requiring a PIN.

Are you talking about credit cards which are linked to a transaction account, as opposed to credit cards which are stand-alone?

To me, "debit card" can either mean a prepaid "credit" card or a "credit" card that's linked to your regular bank account.

Have a look here: http://en.wikipedia.org/wiki/Visa_Debit

Paqman
April 29th, 2009, 10:44 AM
When someone says "debit card", I think about bank cards used for EFTPOS transactions requiring a PIN.


Same same. If your card has a Maestro symbol on it, you can use it online or for EFTPOS anywhere in the world. My debit card is actually a Visa card, despite being linked to my normal bank account.

The difference between debit and credit cards is that a debit card is linked to a bank account with funds in it, whereas a credit card is just linked to a line of credit.

renzokuken
April 29th, 2009, 10:47 AM
I got stung about 6 months ago for about 500 and only found out when PC World phoned me asking to confirm whether i'd just bought a 600 PC......

Thats when i knew it was suspicious since i would NEVER set foot in PC World anyway.

Fortunately the bank were very helpful and reimbursed the money the fraudster (who was supposedly doing it from Ireland) had spent, and issued me with a new card.

ELD
April 30th, 2009, 06:25 PM
In the UK we have debit/credit cards, debit is linked to your bank, credit is linked to well a credit company.

It was a visa debit card, they managed to get over 170 out of me, whoever it is - is an idiot, they got an fhm subscription (mens magazine), if i am wrong they need to put down a delivery address....so i could actually find the clever mother f* if i wanted to right?

SuperSonic4
April 30th, 2009, 06:26 PM
The bank did ring me saying there was some suspicious activity in my account which served to tell me that drunken online shopping is not a good thing

ELD
April 30th, 2009, 06:29 PM
The bank did ring me saying there was some suspicious activity in my account which served to tell me that drunken online shopping is not a good thing

Luckily i didn't do that this time, it was on my bills account (which i never use for online purchases).

If i don't get the money back from the bank, does anyone think i can persue legal action against them? As it is blatent fraud.

sanderella
April 30th, 2009, 06:36 PM
Explosion at pie factory in Huddersfield.
3.14159265 confirmed dead !! :lolflag:

No-one has yet tried to defraud me on my debit or credit cards

kidux
April 30th, 2009, 06:46 PM
A few months back my bank sent us new debit cards because there was a possibility the other ones were compromised. I did have it happen about 10 years ago where some dumb*** bought $1,000 worth of crap from an online army surpluss store. The bank called me on the second charge and with local law enforcement they brought the dirtbag in because he had put his own address as the shipping.

SuperSonic4
April 30th, 2009, 06:49 PM
Luckily i didn't do that this time, it was on my bills account (which i never use for online purchases).

If i don't get the money back from the bank, does anyone think i can persue legal action against them? As it is blatent fraud.

You could but you'd be unlikely to get a conviction

Polygon
April 30th, 2009, 08:59 PM
with a debit card its your own fault if you get it compromised, as it uses a PIN number, which you should change occasionally....as like with passwords.

Credit cards are easy to steal though. someone can just read the information at a store and then remember it and buy a bunch of stuff online....which is why i don't like credit cards.

ELD
April 30th, 2009, 09:06 PM
It is in no way my own fualt, credit/debit cards work exactly the same in the UK, for paying over the counter or drawing out money you use a pin.

To buy online all you need is to know a few of the card details, i know a few people it has happend to.

They work exactly the same just one is your own money (debit card) one is borrowed money (credit card). I fail to see how someone stealing it is my own fualt?

Only way it could have been stolen is if a website was comprimised or a cash machine was tampered with.

3Miro
April 30th, 2009, 09:11 PM
Couple of years ago I was trying to shop in walmart and my debi card was denied. It turned out someone in Romania had tried to use my card to get cash, however, the bank reacted correctly and blocked the account. I had to wait 2 days to get a new card.

I know how it was stolen and it was my carelessness, thanks to the bank it did not cost me a thing. I also very very careful now.

ELD
April 30th, 2009, 09:13 PM
Couple of years ago I was trying to shop in walmart and my debi card was denied. It turned out someone in Romania had tried to use my card to get cash, however, the bank reacted correctly and blocked the account. I had to wait 2 days to get a new card.

I know how it was stolen and it was my carelessness, thanks to the bank it did not cost me a thing. I also very very careful now.

How exactly did yours get stolen then, if it was actually my bad then i want to stop whatever i did heh.

richg
May 1st, 2009, 01:32 AM
I have a debit card that can be used as a credit card with a limit of $500.00 US per day. I check my account a couple times a day. I can stop the use of the card online very easily.
I buy online quite a lot but I have Firefox set up to clear ALL data when I close the browser. I close the browser at least four or five times a day.
Locally, I use cash, that way, my card is never out of my sight. I use the card at one of three of my local branch banks.
When I buy online, I make sure Firefox has a secure connection, I do not clik on a link to a site to buy anything. I always use the direct URL to known sites I buy from.
Your mileage may vary.

Rich

kidux
May 8th, 2009, 07:03 AM
with a debit card its your own fault if you get it compromised, as it uses a PIN number, which you should change occasionally....as like with passwords.

Credit cards are easy to steal though. someone can just read the information at a store and then remember it and buy a bunch of stuff online....which is why i don't like credit cards.
You have a choice on how you use a debit card, at least here in America. If you use it (swipe it, physically) as an ATM card it requires a pin, but if you choose credit it just requires a signature. Online shopping usually only requires the card number, exp date and 3 digit security code on the back, so it is not any more secure than a regular credit card as it works exactly the same.

LightB
May 8th, 2009, 07:07 AM
Yeah, I have that debit card stuff too, I don't use credit cards. As far as trying to rip me off, have at it, hoss, because I empty out my purchase checking account regularly. I don't really use it to save anything, just for the convenience.

Giant Speck
May 8th, 2009, 07:35 AM
with a debit card its your own fault if you get it compromised, as it uses a PIN number, which you should change occasionally....as like with passwords.

I had no control over my card being compromised, as the information was stolen from a bunch of files that had been hacked into at Visa. I'll remember to take better care of those files in the future, though. Wherever they are...

MichaelDavid
May 14th, 2009, 03:02 PM
To me, "debit card" can either mean a prepaid "credit" card or a "credit" card that's linked to your regular bank account.

Have a look here: http://en.wikipedia.org/wiki/Visa_Debit

The main difference with debit and prepaid is that prepaid credit cards (http://www.rooket.com/so/acn/rd/) are not linked to a bank account, instead they are pre-loaded with money you put on the card, therefore no overdraft charges exist and low risk to the card issuer.

monsterstack
May 14th, 2009, 03:27 PM
My work involves going to lots of foreign countries. The first time I went away, I stopped in Taiwain, Hong Kong, Malaysia, and then twelve days later I was in Los Angeles. When I eventually got to a payphone to call my folks my mother told me that the bank had been calling there completely freaked out because they couldn't get through to me and my Visa was being used in every corner of the globe. I suppose I should have told them I was going away. :D

Still, more people should know of the dangers. Having your credit- or debit-card details stolen can ruin your life (http://en.wikipedia.org/wiki/Operation_ore) [wikipedia.org]:


By the time the truth came out however, the damage had been done for many suspects, who had caved-in and pleaded guilty to offences they may in fact not have committed, or accepted cautions. This concern can only be accentuated by the fact that suspects who still maintained their innocence, were often left with these allegations and charges hanging over them for several years, until eventually they pleaded guilty. Placing potentially innocent people onto the sex offenders register, means that crucial and much stretched resources are diverted away from genuine child protection.

richg
May 14th, 2009, 03:35 PM
I have a debit card from my local bank tied into my check book. The card has a number which allows it to be used as a credit card with a known credit card company but with a $500.00 limit per day use. I keep little in the account and can change that on line within a couple minutes. I can call my bank and have the limit changed for a day using a verbal code agreed on with my bank. No big deal. That is the advantange of a local bank.
I check my account on line every day.

Rich

pwnst*r
May 14th, 2009, 03:45 PM
yep. when citizen's bank's servers were hacked, i had to get a new card. fortunately for me, that card was only tied to my account for bills, not my personal and savings accounts.

Maheriano
May 14th, 2009, 03:55 PM
I think we're talking about different kinds of cards.

When someone says "debit card", I think about bank cards used for EFTPOS transactions requiring a PIN.

Are you talking about credit cards which are linked to a transaction account, as opposed to credit cards which are stand-alone?

Not sure if this has already been explained yet but I know where the confusion is. Here in Canada we have debit cards and separate credit cards. You cannot have the same card for both, it is currently impossible and you must have 2 separate cards if you want both. When I moved to the USA last year I went to a gas station and gave the guy my Canadian credit card and he asked if I wanted it put through as debit or credit. I was all confused, how the hell would I use debit on a VISA? But then when I got a debit card from a bank I noticed it had a VISA symbol on it, so you have one card for both.

igknighted
May 14th, 2009, 04:00 PM
Not that this was the OP's issue, but this thread is a great example of why Debit cards should not be used online. If a debit card is frauded, you have a long process to go through to get your money back. However, with a credit card, you can simply dispute fraudulant purposes. It's still a pain to go through the process, but at least you are never out of your money.

pwnst*r
May 14th, 2009, 04:50 PM
Not that this was the OP's issue, but this thread is a great example of why Debit cards should not be used online. If a debit card is frauded, you have a long process to go through to get your money back. However, with a credit card, you can simply dispute fraudulant purposes. It's still a pain to go through the process, but at least you are never out of your money.

good point.

also, realize that using free (open) hotspots means i can sniff your packets before it hits the router>ssl when you're paying your bills.

be careful out there!