Debit Card hacked

[CKN]

yup
With a credit card they have to prove you MADE the charge and why charges are easily reversed. Heck all you have to do is click right on your credit cards online portal and its gone.

With a debit card you have to prove that you DIDNT make the charge or withdrawal.

Well said!

 

[Chris142]

How'd they get her pin?

Probably a skimmer. They " harvest" card #'s and pin #'s and sell them . The pilot truck stop near me is known to always have a skimmer on a pump on the car side.

 

[fat biker]

The ONLY PLACE I use my atm card is at MY BANK!

Twice, before I was educated on this. Fraud, both times, small amounts. Resolved with one phone call each for a total of 30 minutes.

Any time I use a card to make an in-person purchase or order online I use the credit card.

Decades ago I learned my lesson on credit card interest. No thanks. I always pay the full balance.

 

[97prizm]

How'd they get her pin?

It's easy to buy a skimmer and pull the information from your card while standing in line etc. People post card numbers, and pins on forums .

 

[Exhaustgases]

It's easy to buy a skimmer and pull the information from your card while standing in line etc. People post card numbers, and pins on forums .

If its as sensitive as the one on the atm in the bank, the card has to be very very close to it.

So then now we need to put the tin foil cap on our wallets?

 

[mk378]

It is supposed to be impossible to make a working duplicate card chip from skimmed numbers. All card present charges such as stores and ATMs are now supposed to validate the chip instead of merely reading the stripe. Did the OP's case involve a duplicate card?

 

[97prizm]

If its as sensitive as the one on the atm in the bank, the card has to be very very close to it.

So then now we need to put the tin foil cap on our wallets?

I'm seriously looking to buy an rfid wallet fairly soon.

 

[repairman54]

Wait staff goes elsewhere to process your card, takes photo of it, runs you card and returns it to the table. Couple days later there is an alert or a charge for sneakers or something else. I've had it happen on a CC that isn't used often so I know when and where it happened not that anything would be done by complaining. Debit or credit it doesn't matter, its still a PITA when it happens.
I like now many restaurants have portable POS terminals and you can tap it at the table, card never leaves your hand.

 

[alarmguy]

Wait staff goes elsewhere to process your card, takes photo of it, runs you card and returns it to the table. Couple days later there is an alert or a charge for sneakers or something else. I've had it happen on a CC that isn't used often so I know when and where it happened not that anything would be done by complaining. Debit or credit it doesn't matter, its still a PITA when it happens.
I like now many restaurants have portable POS terminals and you can tap it at the table, card never leaves your hand.

I had it happen more times that I can post. But not in the last several years. It does matter if it is credit or debit. If it is debit you owe the money until you can prove that it wasnt you, if then.

If it is credit you owe nothing unless they can prove it was you. I just assume everyone accesses their accounts online. If when paying my credit card bills which are quite substantial since I do not use cash I see a charge that I didnt make. All it takes is a couple clicks of your mouse and the charge is removed. If they can prove it was you, like your signature you will owe it. If they cant prove it was you it will be removed.

 

[CKN]

Wait staff goes elsewhere to process your card, takes photo of it, runs you card and returns it to the table. Couple days later there is an alert or a charge for sneakers or something else. I've had it happen on a CC that isn't used often so I know when and where it happened not that anything would be done by complaining. Debit or credit it doesn't matter, its still a PITA when it happens.
I like now many restaurants have portable POS terminals and you can tap it at the table, card never leaves your hand.

This. Credit Cards never leave your sight when dining out in Europe.

 

[Owen Lucas]

This. Credit Cards never leave your sight when dining out in Europe.

I pay via QR code from the receipt when I can.

 

[Pablo]

This. Credit Cards never leave your sight when dining out in Europe.

Same now in the USA. I've not forked over the card in years. I imagine the free food gang here carries no cards or cash.

 

[Owen Lucas]

I imagine the free food gang here carries no cards or cash.

We got members using EBT???

 

[Pablo]

We got members using EBT???

No. Probably not. But the fast food munchers is all about free stuff

 

[pbm]

It is supposed to be impossible to make a working duplicate card chip from skimmed numbers. All card present charges such as stores and ATMs are now supposed to validate the chip instead of merely reading the stripe. Did the OP's case involve a duplicate card?

IDK if it involved a 'duplicate' card but it must have since the thief had to insert something into the ATM I'm sure. My daughter never lost her card so most likely they used a duplicate.