 mazhurgPremium
join:2004-05-02
Portage La Prairie, MB
 ·MTS
1 edit | Darn scammers One would think that just about everything was right here:
1) Procure low limit cc specifically for web
2) Ensure that security both local and site are up to par
3) use valid, strong and maximum length unique passwords.
4) Only trade with well known locations - both for trade and subscriptions and lock down valid initiation sources (e.g. specific computer - where available).
Yet, somehow found out this morning that a foreign trade on my card (max avail) was done; for adobe software from adobe site.
Needless to say, already talked to CC and cx card but again I suspect that this CC number did not so much "leak" from transactions but from card generators...
What is the best way, considering that some transactions must be done on-line, to further minimize the vulnerabilities?
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 Doctor OldsI Need A Remedy For What's Ailing Me.Premium,VIP
join:2001-04-19
1970 442 W30
kudos:18 | There is nothing that you can really do. Just don't be overly careless, check your statement weekly online and when it happens again, get a new card. That's about the extent of it.
»en.wikipedia.org/wiki/Credit_card_fraud
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What’s the point of owning a supercar if you can’t scare yourself stupid from time to time? |
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| reply to mazhurg
said by mazhurg:4) Only trade with well known locations That doesn't matter. I had my CC number stolen after using it on amazon.com |
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 SnowymIRC unix.ro UnderNetPremium
join:2003-04-05
Kailua, HI
kudos:5
 ·RoadRunner Cable
 ·Clearwire Wireless
| said by aannoonn :said by mazhurg:4) Only trade with well known locations That doesn't matter. I had my CC number stolen after using it on amazon.com Let's assume it was the use of Amazon that created the CC compromise.
Your apparent conclusion:
Amazon = Guilty of mishandling CC data.
Let's toss a fact at that conclusion.
The Amazon scenario has 2 possible locations being the culprit.
1. Remote (everything beyond your router.firewall, e;g., Amazon.com etc...)
2. Local (your computer, every aspect of it)
Have you done anything meaninful to rule out #2 as the culprit?
»Security Cleanup |
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 StuartMWWho Is John Galt?Premium
join:2000-08-06
Galt's Gulch
·CenturyLink
| reply to mazhurg
Its, unfortunately, a fact of life these days that credit cards are comprised. While I agree that it can't be prevented completely I do the following to lessen the risk and/or impact.
1. Have multiple cards so if one is compromised you can use another until another card is issued (1-2 weeks).
2. Do NOT store CC details on online stores etc. Unfortunately many sites (e.g. Amazon) automatically save stuff but you should be able to manually delete it.
3. Use PayPal for "iffy" sites if possible.
4. Monitor CC activity online through the issuers website frequently. Report anything amiss immediately.
5. Dispute (legitimate) charges promptly if the merchant does not provide the goods/service in a timely manner. Keep copies of email correspondence etc to back your case. (Had to do this recently due to non-delivery).
6. Check your free annual credit report every 4 months (3 agencies and one per year per agency ==> 12/3 = 4).
Despite all of the above I usually have one card reissued annually. Sometimes the CC company does this automatically (had one card declined recently because the bank reissued it without telling me).
PS: I haven't applied for/received a new CC account in years.
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Don't feed trolls--it only makes them grow! |
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mazhurgPremium
join:2004-05-02
Portage La Prairie, MB | reply to Snowy
Thanks Snowy. I am 100% certain this end is clean (safe computing;good AV; Root detector; known execs;user level). |
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mazhurgPremium
join:2004-05-02
Portage La Prairie, MB Reviews:
·MTS
| reply to StuartMW
Thanks Stuart. It is also my impression. As you, I have a few low max cards as the last one will take 9-12 BD for replacement.
By and large; the only locales that I let the CC to be stored are the subscriptions ones. Anything else get's cleaned after transactions.
I do not use Pay pal, and do not intend to.
4 and 5 are done as a matter of routine; and 6 is not applicable here.
Oh well, at least the CC companies are up-front on helping out. |
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StuartMWWho Is John Galt?Premium
join:2000-08-06
Galt's Gulch Reviews:
·CenturyLink
| said by mazhurg:Oh well, at least the CC companies are up-front on helping out.
Its in their best interest to do so. I've called issuers many times over the years (and once in the last week) and have found them to be very helpful. In return I provide them with any information they request to resolve disputes.
It sounds like you're doing everything you can but were just unlucky.
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Don't feed trolls--it only makes them grow! |
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SnowymIRC unix.ro UnderNetPremium
join:2003-04-05
Kailua, HI
kudos:5 Reviews:
·RoadRunner Cable
·Clearwire Wireless
| reply to mazhurg
said by mazhurg:Oh well, at least the CC companies are up-front on helping out.
Yes, to date for the most part they certainly are.
It's fact that the CC companies are in the midst of an immersion program to build customer trust in the use of credit/debit cards (online).
It's fairly simple economics - the more usage - the more profit.
My long term concern is about a shift in responsibility in CC loss due to fraud.
As it is now, the loss falls almost exclusively on the issuer with the customer well shielded from financial loss. This is in line with current & correct public opinion that CC/debit card use has a financial risk well beyond the control of the customer.
Fast forward x years when the public perception shifts to an opinion of relative safety in CC/debit card use cultured by the issuers, spread by the sector the media that exist by being bought & sold by the highest bidder.
It's at that point were I can see legislative actions increasing customer liability fueled by the CC issuers, effecting the shift of responsibility to the customer.
It will begin with very small, inconsequential changes & once change itself has been accepted, the major rule changes will be proposed & accepted unless the public recognizes the changes in (astroturfed etc...) public opinion re relative safety for what they are. |
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| reply to StuartMW
said by StuartMW:1. Have multiple cards so if one is compromised you can use another until another card is issued (1-2 weeks). If you have to wait 1 to 2 weeks for a new card, you need a new credit card company. When my card number was stolen, I had a new card from Chase the next day. |
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 dvd536as Mr. Pink as they comePremium
join:2001-04-27
Phoenix, AZ
kudos:4 | reply to mazhurg
Use prepaid credit card for online stuff then theres nothing on the card even if they get the number. |
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 therube
join:2004-11-11
Randallstown, MD | reply to aannoonn
> Chase the next day
Ditto.
They called me to inquire about suspicious charges.
I said yes, no, no, yes ...
They said I'll have a new card tomorrow.
And I did.
Also said that I'd get some paperwork on the bogus charges.
Never did get that paperwork, nor did anything wrong ever appear on my statement or online.
> My long term concern is about a shift in responsibility in CC loss due to fraud.
Well until the losses outweigh the profits. Or until greed ...
> This is in line with current & correct public opinion that CC/debit card use has
> a financial risk well beyond the control of the customer.
What do you mean by that? |
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SnowymIRC unix.ro UnderNetPremium
join:2003-04-05
Kailua, HI
kudos:5 Reviews:
·RoadRunner Cable
·Clearwire Wireless
| said by therube:> This is in line with current & correct public opinion that CC/debit card use has
> a financial risk well beyond the control of the customer.
What do you mean by that?
It's about the relationship between public perceptions, Gov't policies & reality.
This applies to many things but speaking to Credit Card liability...
Today's public perception & Gov't policy are in mesh with the reality of the situation, correctly reflecting the fact that Credit Card abuse is beyond the control of the card holders actions. |
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 Noah VailSon made my AvatarPremium
join:2004-12-10
Lorton, VA
kudos:1
·Bright House
·Sprint Mobile Br..
| reply to dvd536
said by dvd536:Use prepaid credit card for online stuff then theres nothing on the card even if they get the number. Same here - a very simple approach.
Before I load the card, I review the card history. If anything were out of place, I'd close the account and toss the card.
It's the safest possible way to buy stuff online.
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Adopting other people's animosity is The New Stupid. |
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 psafuxPremium,VIP
join:2005-11-10
kudos:2 | reply to mazhurg
I have been using credit cards online for many, many years and have yet to have any issues. I am not overly cautious to avoid risk (don't use pre-loaded or special low-limit cards or anything) but I do check my statements about once a week and only purchase from well-known outlets. All it takes is one bad apple working for XYZ company and that's that. |
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