Somebody been using my card on the internet.

Oh man! Ad-blocking software has been detected! :'(

This website is run by the community, for the community... and it needs advertisements in order to keep running. Blocking our ads means your killing our stats!
Please disable your ad-block, or become a premium member to hide all advertisements and this notice.

We're not here to judge LoL

GRim

 

Oh man! Ad-blocking software has been detected! :'(

This website is run by the community, for the community... and it needs advertisements in order to keep running. Blocking our ads means your killing our stats!
Please disable your ad-block, or become a premium member to hide all advertisements and this notice.

only look at trusted porn sites

what Johny said about the waiter is more common than some virus.

 

see we've all been there, done that and got the t-shirt

GRim

 

I think the moral of the story is only use free porn sites

 

or use someone elses credit card !!!

GRim

 

Nonononono

The moral of the story is NOT to use free porn sites. That's where 90% of spyware comes from. Ironically, if you PAY for porn on the internet from a legitimate, reputable site, you are at much less risk than if you go looking for it for free.

...so I hear anyway

 

Yeah, right mate

 

The other problem is you can still get away with purchases with just a pin number, expiry date and name.
So any attempt to make the system more secure is flawed until these methods are no longer available.

 

What I do when paying for anything online is us a prepay card that I put money on first, so you can only use whats on the card

 

I find that people are just as careless, if not more so, off-line as well

{upd] not that i do that sort of thing!

 

Looking through my credit card statement, there is a cheapo store that I bought fireworks from 3 days before the first transaction appeared.

Glad I used my CC in there rather than my normal debit card!!!!

 

Did you really think it would be secure?

Before whilst it was quite easy to use somebodies card if you found it just by learning the signature, now why bother, you just need to see their pin then mug them or lift there wallet or purse. (Not as I have ever or will ever do that)

Nowadays you do it all yourself, the cashier doesn't even look at the card, I have actually used my mums debit card on numerous occasions to buy shopping in the supermarket (always with her permission I must add)
If they looked at the card they would see that I actually look nothing like a Mrs

 

We'll take your word for that.

Of course, in modern times there are more transactions than ever that don't even require a signiture, let alone a pin.

'Pay at the pump' is an obvious one.
Insert card and get £50 of fuel with no security checks whatsoever.
If you're lucky they'll get some grainy CCTV but that's it.

 

I never said I did that... just said you could, if you were so inclined to do so. I'm paranoid, but not that paranoid.

Hey, I'm not the one who has to wait through a reboot. That's all the time a fast player like me needs.

When you're done booting back up, tell your wife hi for me.

heeheehee... ZOOM!

 

You can't prevent it, so it's a waste of money bothering. I know loads of places that still use signatures and saying that, NONE of my Credit Cards or bank cards even have a signature on.

I was in St Albans a few weeks back at a bar all night, on Halloween, heaving bar, and I just kept chucking my card over the counter to buy rounds and giving them a signature that didn't exist.

 

The usual advice is to make sure you are using a credit card as opposed to a debit card online. You normally have a great deal of anti-fraud protection with CC's whereas there tends to be very little when it comes to debit cards linked to your bank account (unless you have specific protecion in place).

If you are defrauded and are using a bank card, then it's quite possible they could get away with money you need to live on etc... and the banks aren't usually quick to refund money. You will probably get it back, but it may take some time ... With CC's the money is actually theirs and they seem to be far more pro-active in dealing with fraud. You also shouldn't end up paying for fraudulant (sp?) transactions.

I was buying a laptop for my dad recently with my CC from an online store and the payment was rejected by Barclaycard because of suspected fraud. It was a legitimate transaction, but they didn't like the look of it (first time buying from this place, card not present and was for over £1000). Ok so it inconvenienced me slightly, but once I had spoken to the CC company it was all fine. Good to seem them being on the ball for things like this really.

As others have already said, be far more vigilant in regular (supermarket, petrol stations etc..) situations and you are less likely to be a victim of this. In as many years as online shopping has existed I have never fallen foul of card fraud and have always used Windows. (which must prove it's great! \o/ ) You just need to be careful at the end of the day and take pornmeister Zeb's advice.

 

I guess the protections might be different in the US... although the money disappears from our bank account as something is purchased using a debit card, if we dispute a charge, the payment is (typically) refunded into our account until the matter is resolved.

 

Depends on the type of bank account in the uk AFAIK. Some accounts that you pay a regular fee for, offer the same type of fraud protection as credit cards. Many current accounts don't. Doesn't meant you won't get your cash back eventually, but you may have to wait a while.

There are other good reasons to use CC's also. If a company goes bust after you have bought something, be it a computer or air line tickets etc ... you can get your money back pretty sharpish as usually any transactions over a certain limit (eg £50 or £100) are insured. With a bank card linked to a current account .... well good luck getting anything out of the official receivers.

 

Well, I don't have a credit card and nor does my wife. On three separate occasions now we have had CNP fraud committed against our account (once after a burglary where they skimmed the cards and left them in my wife's purse, the other two times where her card had obviously been skimmed in a supermarket and a garage). The money was paid back in without question within three days on each occasion. I don't pay a fee for my account and never will.

Banks like to scare you into taking out credit cards because you are not 'protected' against fraud with debit cards but, in reality, the onus is ALWAYS on them to prove you are lying when you make a claim, so they HAVE to pay up.