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Message
Debit card skimmer on ATMs Fraud
Posted on 8/4/17 at 8:58 am
Posted on 8/4/17 at 8:58 am
Debit card skimmer on ATMs Fraud
Anybody have this happen to them? Any tips on preventing it? I heard if you pay for your gas inside-- it helps, as the skimmer machines that read your card are generally on the gas pumps.
Anybody have this happen to them? Any tips on preventing it? I heard if you pay for your gas inside-- it helps, as the skimmer machines that read your card are generally on the gas pumps.
This post was edited on 8/4/17 at 1:10 pm
Posted on 8/4/17 at 9:00 am to cajunangelle
I assume you don't have the chip
Posted on 8/4/17 at 9:01 am to AUCE05
My card had the chip yes, why?
Posted on 8/4/17 at 9:01 am to cajunangelle
Never use a debit card. Use a credit card. Better protection and if the number is stolen they're stealing from the credit card company not your bank account.
Pay attention to your credit card purchases and report anything you don't recognize.
Pay attention to your credit card purchases and report anything you don't recognize.
Posted on 8/4/17 at 9:02 am to cajunangelle
My bank had two instances of skimmers installed. One of them got my dad @ Best Buy twice for 5k each time. They duplicated the card# and probably had an inside guy @ Best Buy who "overlooked" the ID requirement to buy a 5k TV.
Posted on 8/4/17 at 9:02 am to cajunangelle
My debit card number has been stolen twice. That is why I only keep a small balance in my checking and more in my savings to transfer as needed.
Posted on 8/4/17 at 9:03 am to efrad
this. My debit card was skimmed like 3x in a 2 year period and I got tired of dealing with it.
Credit card only. Pay it off before interest accrues. Functionally the same and you're better protected against fraud.
Credit card only. Pay it off before interest accrues. Functionally the same and you're better protected against fraud.
Posted on 8/4/17 at 9:06 am to Tiguar
Seriously? Does it improve your credit score? Debt ulization would be raised and that isn't good on the credit score.
Posted on 8/4/17 at 9:08 am to idlewatcher
After just talking with the detective they seem to overlook the inside guy. They somehow stole my money at a USPS.
Posted on 8/4/17 at 9:08 am to cajunangelle
I think it only hurts if you keep a significant balance relative to your overall credit limit.
Ie waiting until you have 3k used on a 5k credit limit.
Just pay it off every couple weeks or after a big purchase.
Ie waiting until you have 3k used on a 5k credit limit.
Just pay it off every couple weeks or after a big purchase.
This post was edited on 8/4/17 at 9:09 am
Posted on 8/4/17 at 9:08 am to cajunangelle
quote:
Seriously? Does it improve your credit score? Debt ulization would be raised and that isn't good on the credit score.
Underutilization can also be bad for your credit score
Posted on 8/4/17 at 9:09 am to cajunangelle
Use credit everywhere and pay off your entire balance at the end of the month. I've got a Citi card that gives me 2% back- 1% when I spend and 1% when I pay. No rotating categories.
I don't use my debit card anywhere but the ATM at my bank (Chase). If they allowed a scammer device to be installed on their ATM on their property, I'd raise holy hell.
I don't use my debit card anywhere but the ATM at my bank (Chase). If they allowed a scammer device to be installed on their ATM on their property, I'd raise holy hell.
This post was edited on 8/4/17 at 9:11 am
Posted on 8/4/17 at 9:11 am to cajunangelle
Go to pump nearest the store. And wiggle the card slider before inserting your card.
Posted on 8/4/17 at 9:11 am to AUCE05
I had just gotten the new debit card with the chip. We see how that helped.
Posted on 8/4/17 at 9:12 am to boosiebadazz
Utilization is not bad. The biggest thing is balance vs limit.
Posted on 8/4/17 at 9:12 am to Janky
quote:
My debit card number has been stolen twice. That is why I only keep a small balance in my checking and more in my savings to transfer as needed.
This. I have a spending account and an account for bills and the bulk of our money. I can transfer money between the 2 but I usually only keep a couple hundred in the spending account.
This post was edited on 8/4/17 at 9:14 am
Posted on 8/4/17 at 9:13 am to cajunangelle
In 2008 I was attempting to renew my gym membership at the counter of the local fitness center. My BOA Visa was declined so I called the bank and they said it was frozen due to suspicious activity.
Earlier that day a transaction for $300.00 was made at a Lowe's in BC Canada, then an hour later an additional charge for $5,000.00 was attempted but the bank wouldn't allow it, at a Home Depot in the same Canadian area. The BOA fraud representative I spoke with told me the transactions were attempted using a card that had been made with my information on the magnetic strip. Have no idea how the info was compromised, however BOA did not hold me responsible for the initial $300.00 and they sent me a new card within 2 days.
Earlier that day a transaction for $300.00 was made at a Lowe's in BC Canada, then an hour later an additional charge for $5,000.00 was attempted but the bank wouldn't allow it, at a Home Depot in the same Canadian area. The BOA fraud representative I spoke with told me the transactions were attempted using a card that had been made with my information on the magnetic strip. Have no idea how the info was compromised, however BOA did not hold me responsible for the initial $300.00 and they sent me a new card within 2 days.
Posted on 8/4/17 at 9:13 am to cajunangelle
quote:
After just talking with the detective they seem to overlook the inside guy
Well keep in mind that the threshold for anyone to GAF is 5k-10k. Anything under that, they'll smile at you, watch you walk away and then laugh their arse off at you. There are so many instances of fraud and theft that the cops literally DGAF about it b/c of the frequency.
In this case, my dad closed his account and wouldn't you know - they used the card AGAIN at the same Best Buy
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