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Unread 12-21-2011, 05:42 PM   #1
dereksbicycles
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New credit card...

I never gave my credit card to anyone. However, I used it for purchases in person and also online. I had to cancel that card as there were unauthorized purchases made on it. My girlfriend's Mom had the same problem. I'm wondering how I can fully block someone from making unauthorized purchases. I never gave the card to anyone to use. If they cannot get hand on card, how can they make unauthorized purchases?? I don't want that problem with new card.
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Unread 12-21-2011, 06:11 PM   #2
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Quote:
Originally Posted by dereksbicycles View Post
I never gave my credit card to anyone. However, I used it for purchases in person and also online. I had to cancel that card as there were unauthorized purchases made on it. My girlfriend's Mom had the same problem. I'm wondering how I can fully block someone from making unauthorized purchases. I never gave the card to anyone to use. If they cannot get hand on card, how can they make unauthorized purchases?? I don't want that problem with new card.
throw away your computer. it's bugged.
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Unread 12-22-2011, 04:07 AM   #3
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It could have been either from a physical use (they swiped the barcode on the card) or overthe internet, where im inclined to use prepayed credit cards as my actual card has a 8k limit
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Unread 12-22-2011, 04:46 AM   #4
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It happens quite frequently to people. If you use the card anywhere, especially where a clerk can handle the card out of view, they can copy the card number, card holder's name, signature, and so on.

The thing is that you are protected by the credit card company from having to pay for the fraud. The only thing you can really do is get a new card number from the company.

You shouldn't have to close your credit line. You should be careful about closing a credit line anyway, because it can negatively affect your FICO score in the short term.
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Unread 12-22-2011, 11:00 AM   #5
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There's one recent trends going on now about getting CC #. I got a reports from security dept and it's pretty scary that fraudsters start wearing "spy" glasses that can record an images of the CC in front of him/her. Since more and more HD camera are getting smaller and able to get a very clear images. Once they recorded every lines he/she went. Then at home, they just pulled out a thumb drive and insert to the computer. They can zoom in at the freezed frame to copy the numbers down.

Now anytime you shopped, when you are ready to use the swipe machine, always try to cover CC numbers as shown below. Secondly, never ever place the card on the writing board assuming that you are waiting for cashier pick up the card to type in the security code. Aways hold the card out of the view and when she asked for the card, give the card to her facing down. Doesn't matter how the cashier will hold it since it will be facing away from the line.

So, this is important to remember. Of course there are many other ways that fraudsters can retieved CC # like in the mail (it would be good idea to stop recieving the bank/CC and other merchants in the mail and start using internet to check out the billings).

This will reduce the chance of getting identity theft...

Just aditional note: most fraudsters use spy glasses only during the winter times because it's very easy to conceal the wire in the back to the recorder box on his belt.. so it's hard to tell if he/she's wearing real glasses or not.
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Unread 12-22-2011, 04:57 PM   #6
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^^^ Nice post, thanks.
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Unread 12-22-2011, 06:23 PM   #7
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Do people in the USA have a chip on their credit cards?
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Unread 12-22-2011, 06:27 PM   #8
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Quote:
Originally Posted by Banjo View Post
Do people in the USA have a chip on their credit cards?
Some, but many cards do not.
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Unread 12-22-2011, 08:28 PM   #9
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Originally Posted by Banjo View Post
Do people in the USA have a chip on their credit cards?
You mean RFID chip in the credit card, yes it's optional if you request it. Since RFID is encrypted but it's hackable. As you may noticed that more and more laptop have built in RFID reader that you can simply swipe it when you make the order online. This is much safer than typing in using keyboard since if you get infected with "keylogger", anytime you typed on keyboard, it will send ASCII characters to fraudsters or hackers to record it. So using RFID card, it transmitted encrypted to bank bypassing the "keylogger" and they will be sucker. Now the only problem is that any fraudsters carry a large bag that contain powerful "RFID reader" that he can simply walk by a person, like walking behind man's ass, it will pick up RFID code that kept inside the wallet. Then the fraudsters have the code to use to save it on another RFID chip then he can "swipe" it to order whatever he need. So, it's a small chance to get that kind of RFID reader, it's difficult to build one or expensive to by one. There are small number out there that have RFID reader.. but it's far safer than using magnetic media or keybording info online.

So, really nothing is safe out there but you have to be cautious of how you handle it.
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Unread 12-22-2011, 11:16 PM   #10
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I never saw the purpose of having a chip and strip as if they get hold of the card they can still copy the strip seems pointless to me
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Unread 12-22-2011, 11:24 PM   #11
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Originally Posted by Ausrider View Post
I never saw the purpose of having a chip and strip as if they get hold of the card they can still copy the strip seems pointless to me
Here, you have to enter a PIN code in order to activate the card insert.
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Unread 12-23-2011, 08:12 AM   #12
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Quote:
Originally Posted by SneakerNet View Post
You mean RFID chip in the credit card, yes it's optional if you request it. Since RFID is encrypted but it's hackable. As you may noticed that more and more laptop have built in RFID reader that you can simply swipe it when you make the order online. This is much safer than typing in using keyboard since if you get infected with "keylogger", anytime you typed on keyboard, it will send ASCII characters to fraudsters or hackers to record it. So using RFID card, it transmitted encrypted to bank bypassing the "keylogger" and they will be sucker. Now the only problem is that any fraudsters carry a large bag that contain powerful "RFID reader" that he can simply walk by a person, like walking behind man's ass, it will pick up RFID code that kept inside the wallet. Then the fraudsters have the code to use to save it on another RFID chip then he can "swipe" it to order whatever he need. So, it's a small chance to get that kind of RFID reader, it's difficult to build one or expensive to by one. There are small number out there that have RFID reader.. but it's far safer than using magnetic media or keybording info online.

So, really nothing is safe out there but you have to be cautious of how you handle it.
There are wallets nowadays designed to protect RFID info on your credit cards.
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Unread 12-25-2011, 09:35 AM   #13
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There are wallets nowadays designed to protect RFID info on your credit cards.
Yeah, with lead base nuclear protected shield in your wallet...pants are falling down! pants are falling down!!
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Unread 12-26-2011, 08:35 PM   #14
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It is so unbelievable about the RFID. Gee!
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Unread 12-27-2011, 01:10 AM   #15
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I heard a hacker use RFID reader hide in his netbook case can steal your credit card numbers with RFID chip card when you stand behind of someone scan your wallet and walk away as easy ID thief.


RFID reader at any store like that picture.



hacker build own RFID reader with any Apple/Andriod devices.

colony your card with RFID reader device.
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Unread 01-02-2012, 01:45 PM   #16
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Being a sysadmin, and always checking out how things could be exploited by the bad guys, I used to drive the owners of the company nuts when I showed them stuff like how you could use certain RFID cards to open their "SECURITY" doors from a short distance away. A key reason why I wasn't a big fan of such systems. Convenience is a double edged sword sometimes.

The thing a lot of people fail to realize is you *can not* make something criminal proof, any lock a human makes another one can pick, all you can do is make it difficult enough for them to go find an easier target to go after!
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Unread 01-02-2012, 01:53 PM   #17
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Thats exact my definition of no such thing as foolproof security.

Quote:
Originally Posted by cmdrwhitewolf View Post
Being a sysadmin, and always checking out how things could be exploited by the bad guys, I used to drive the owners of the company nuts when I showed them stuff like how you could use certain RFID cards to open their "SECURITY" doors from a short distance away. A key reason why I wasn't a big fan of such systems. Convenience is a double edged sword sometimes.

The thing a lot of people fail to realize is you *can not* make something criminal proof, any lock a human makes another one can pick, all you can do is make it difficult enough for them to go find an easier target to go after!
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Unread 01-02-2012, 02:34 PM   #18
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Cards are compromised all the time. Just get a new card and new pin too if you're that worried about it. As long as you protect yourself and you don't give out your card for friends to borrow or write down your pin or make it something easy to know like your birthday then you are covered under the bank and if you're victimized you get your money back usually within a week or less...well at least here that's the case dunno bout other banks and such
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Unread 01-05-2012, 03:30 PM   #19
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Quote:
Originally Posted by dereksbicycles View Post
I never gave my credit card to anyone. However, I used it for purchases in person and also online. I had to cancel that card as there were unauthorized purchases made on it. My girlfriend's Mom had the same problem. I'm wondering how I can fully block someone from making unauthorized purchases. I never gave the card to anyone to use. If they cannot get hand on card, how can they make unauthorized purchases?? I don't want that problem with new card.
Use the paypal to order online even out of USA. I use it for over 10 years and no problem with it.
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Unread 01-05-2012, 03:32 PM   #20
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Quote:
Originally Posted by SneakerNet View Post
There's one recent trends going on now about getting CC #. I got a reports from security dept and it's pretty scary that fraudsters start wearing "spy" glasses that can record an images of the CC in front of him/her. Since more and more HD camera are getting smaller and able to get a very clear images. Once they recorded every lines he/she went. Then at home, they just pulled out a thumb drive and insert to the computer. They can zoom in at the freezed frame to copy the numbers down.

Now anytime you shopped, when you are ready to use the swipe machine, always try to cover CC numbers as shown below. Secondly, never ever place the card on the writing board assuming that you are waiting for cashier pick up the card to type in the security code. Aways hold the card out of the view and when she asked for the card, give the card to her facing down. Doesn't matter how the cashier will hold it since it will be facing away from the line.

So, this is important to remember. Of course there are many other ways that fraudsters can retieved CC # like in the mail (it would be good idea to stop recieving the bank/CC and other merchants in the mail and start using internet to check out the billings).

This will reduce the chance of getting identity theft...

Just aditional note: most fraudsters use spy glasses only during the winter times because it's very easy to conceal the wire in the back to the recorder box on his belt.. so it's hard to tell if he/she's wearing real glasses or not.
Good info.
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Unread 01-05-2012, 03:48 PM   #21
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Originally Posted by diehardbiker View Post
Thats exact my definition of no such thing as foolproof security.
there is such a thing as foolproof security. try Fort Knox or White House
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Unread 01-05-2012, 03:50 PM   #22
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Quote:
Originally Posted by cmdrwhitewolf View Post
Being a sysadmin, and always checking out how things could be exploited by the bad guys, I used to drive the owners of the company nuts when I showed them stuff like how you could use certain RFID cards to open their "SECURITY" doors from a short distance away. A key reason why I wasn't a big fan of such systems. Convenience is a double edged sword sometimes.

The thing a lot of people fail to realize is you *can not* make something criminal proof, any lock a human makes another one can pick, all you can do is make it difficult enough for them to go find an easier target to go after!
what can work better is having another layer of security such as putting security guard there or having security cameras installed.

that's how it is in most college campuses with card swipe or RFID.
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Unread 01-06-2012, 10:41 AM   #23
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The owners were too cheap for any doing any *real* security. This was a company where the owners often discussed "plausible deniability". Which is another reason we didn't get along.
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Unread 01-06-2012, 11:53 AM   #24
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Quote:
Originally Posted by cmdrwhitewolf View Post
The owners were too cheap for any doing any *real* security. This was a company where the owners often discussed "plausible deniability". Which is another reason we didn't get along.
didn't get along? why does it matter to you? you're not in charge of it.
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Unread 01-06-2012, 12:28 PM   #25
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You know, a co-worker used to ask me the same thing over & over, much to his annoyance. So here's the answer -

I cared (past tense!) because they had a habit of "blaming" employee's for things that went wrong. (Often resulting in getting rid of employees so the owners could look like they were doing something about the "problem".)

And I care particularly when it was *me* who could wind up being sued by their clients, or worse, go to jail because of their dishonesty (which they were, quite often) while "obeying" the law (because I was the companies Network Admin). Laws, which put network admins on the hook b/c it was thought that the executive types (like them) wouldn't put the effort in doing things like security right.

But other than that, I couldn't have cared less if through their idiocy, they set themselves on fire. (Except that I would've been out of a job that much faster...)

Enuf said, I think.
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Unread 01-06-2012, 12:37 PM   #26
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Quote:
Originally Posted by cmdrwhitewolf View Post
You know, a co-worker used to ask me the same thing over & over, much to his annoyance. So here's the answer -

I cared (past tense!) because they had a habit of "blaming" employee's for things that went wrong. (Often resulting in getting rid of employees so the owners could look like they were doing something about the "problem".)

And I care particularly when it was *me* who could wind up being sued by their clients, or worse, go to jail because of their dishonesty (which they were, quite often) while "obeying" the law (because I was the companies Network Admin). Laws, which put network admins on the hook b/c it was thought that the executive types (like them) wouldn't put the effort in doing things like security right.

But other than that, I couldn't have cared less if through their idiocy, they set themselves on fire. (Except that I would've been out of a job that much faster...)

Enuf said, I think.
but you're the network administrator. building security is not your responsibility. if there was a break-in, that's not your problem.
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Unread 01-07-2012, 11:06 AM   #27
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Yes, the Admin is responsible for the Physical security of the servers as well! Why? Here we go again -
Quote:
Laws, which put network admins on the hook b/c it was thought that the executive types (like them) wouldn't put the effort in doing things like security right.
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Unread 01-08-2012, 08:17 AM   #28
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It's all depending on capacity or size of the servers, like my work, we have teams of responsibilities, SQL admin, Security admin, Server admin and such. So, we have one team who are security engineers that are responsible for protection of our corporate and clients. If anything f*ckup, they will point at the security team and me! Why me? cuz I'm the management, overseeing all the infracture and I cannot allow to overlook something of what's missing.
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