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Post by jazzbones on Feb 17, 2016 12:29:38 GMT
Shock horror, she received a text alert from her bank saying that some scummy A-hole in New York tried to use her card twice, they were not successful but it does alarm us. The amount was small, circa £20.oop. Now we live in Middle England UK and have not been anywhere near the Americas let alone New York so how do they do it? Also, my wife's elderly mother's card details, not the actual card itself, was used to attempt a cash withdrawal at a Lloyds branch in the town she lives in! My wife, with approval, handles all her mother's banking transaction. Again, unlawful access was unsuccessful: how do they do it? My wife does some of her buying online, not alot, for both herself, me and her mother. Wife and I share a PC which uses both updated Norton and Malware security. Occasionally, a little pop up in the bottom left hand corner of the screen says 'vicious malware has been dealt with'.
Has anyone had similar experiences and what are your safe guards? Thanks.
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Post by MartinT on Feb 17, 2016 12:38:52 GMT
They've more than likely actually hacked a shopping site that you've used with the card details. It happens and my bank are quick to contact me about it. The only inconvenience is that they may cancel and replace your card. I've never lost any money in this way, thankfully.
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Post by jazzbones on Feb 17, 2016 12:49:00 GMT
They've more than likely actually hacked a shopping site that you've used with the card details. It happens and my bank are quick to contact me about it. The only inconvenience is that they may cancel and replace your card. I've never lost any money in this way, thankfully.
I've never got into using my mobile phone for banking or having my bank's app so that I can make swipe payments at stores: never seen the sense in it. Or why the young girl in front of me uses her card to pay for a small item such as a chocky bar? |
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Post by Clive on Feb 17, 2016 13:59:54 GMT
They could have purchased the card details from one of the sites selling this stuff. They start with a small transaction, if that goes through they go for a big one.
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Post by zippy on Feb 17, 2016 14:36:09 GMT
Barclaycard tend to go 'over the top' a bit - I've twice had an online payment refused 'because it was suspicious'. Strangely these were for small amounts, whereas all the big payments I've made went straight through.
I suppose that's better than no security but it is inconvenient as I had to cancel, then re-order the items.
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Post by Chris on Feb 17, 2016 20:05:09 GMT
I'm with Clive here. Unfortunate you can protect yourself to the eyeballs but the numbers are already out there selling for £1.30 apparently!! Right fucking pain for you.
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Post by Tim on Feb 18, 2016 5:54:04 GMT
Or why the young girl in front of me uses her card to pay for a small item such as a chocky bar I use my card for absolutely everything I can for reward points. It's a John Lewis Partnership card, I pay it off in full every month and I get JL gift vouchers every 6 months that amount to around £300-400 a year, so it's free money and I don't have to carry cash and rarely go to the bank and I never ever use ATM's, which puts you at risk from skimmers  It makes sense to use a card for all purchases if it has a reward system. |
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Post by MartinT on Feb 18, 2016 6:39:57 GMT
I use my Amex Nectar card for pretty much all shopping and filling up with fuel. It gives double Nectar points and they amass pretty quickly for real-world use. If I go to a place which accepts Nectar, I get quadruple points. I use them on eBay mostly.
I hope its replacement (due next month) goes contactless. All my other cards already are.
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Post by Tim on Feb 18, 2016 7:04:58 GMT
Cash is approaching redundancy for a large section of society, heck you don't even need it for parking in most places now. I probably go to the bank to withdraw a stock of cash no more than 4 or 5 times a year. I always have cash in my wallet, but its in there a long time.
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