Credit card and debit card alert !!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Scary

WTHR_The Risk inside your credit card - YouTube

 

I knew this sort of thing was out there. Very scary indeed. especially if the card you have is a debit card, the money comes straight out of your account. At least with credit cards it's delayed a bit and easier to fight and keep your money. I say easier, not always EASY!

 

I bet you pulled it out, I mean pulled them out to chk if they had the symbol

 

That is just fucking stupid, Ray Charles could have seen that coming a mile away.

 

That would be telling...and yes I did. Only one card had it and now it's out of my wallet. I don't think I used it but once in the last 2 years since they sent it to me.

 

I've had my CC numbers/Id stolen twice, and I consider myself on the "very preventative" side. Both times it was over 15 years ago, when technology wasn't as sophisticated as it is now. Once on AMEX, once on Visa. Both times charges exceeded $5,000. Fortunately, both times they worked with me and I was not held responsible.

I don't do as much traveling as I used to, but ever since they came out with the electronic hotel room keys, I never leave the keys behind. I take them and destroy them. They are linked to the hotel, which in turn has all your CC and personal info on it. Maybe its overkill, but so what. Its not like a hotel key takes up a lot of room to hold on to until it can be shredded.

I carry only one CC with me - AMEX - unless I specifically know I'm going somewhere that AMEX is not taken. None of my cards are "speed pay". (Stop being so lazy anyway - let the cashier swipe your card. What's it take - 10 seconds instead of 2? Leave earlier if your life is that much of a rush).

We all laugh or get aggravated at the "little old ladies" that pay by check at the grocery register, but I bet you THEY aren't worried about CC fraud and theft.

By the way - check with your homeowners or renters policy. Some carriers will offer Identity Theft Protection. Its cheap, and in the event you really get jacked with someone taking your SS number or CC and ringing up a trip to Bora Bora, the policy could respond.

 

See? I keep telling you people ....now you'll line your pockets with foil too, not just your helmet.

 

You can buy a stainless steel lightweight fabric wallet that will protect your cards.
Go to Kotulas.com 1-800-931-3999
$49.00 Item # 550753-5102

I have been saving the ad until I got my first RFID card.

 

the key is not linked to your CC info - at all, it is simply tied to the lock system
if they were going to use the key to do some id theft with the key, they would need a hotel worker to assist them; in which case they wouldn't need to start with the key

Well that is smart because as we all know there has never been any ID theft with any AMEX card; oh wait yes there has been...

Well that too is smart too, because there has never been a case of credit card theft involving a cashier or waiter swipping a credit card thru their own reader and selling the card holder's information later. Oh wait, that is a fairly common way of credit card theft too...

With the waving of speed pay, not only can it be slightly quicker, but typically the card never leaves your hand.

but their checking accounts get comprimised all the time


paranoi
self destroy ya


by the way, been using the wave feature several times a week for maybe 5 or 6 years, times my info has been comprimised in that time = 0. And this is in several states a year.

 

Your hotel room key is tied into the computer of the hotel, that says "Joe Blow" is in room 2. The hotel has Joe Blow's info, including your credit card left as a deposit. In order to "activate" a key for room 2, there has to be an active rental for that room. But even if what I've been told might be incorrect, or the odds against getting the info from a hotel key are 1 in 1000, why not take the keys with you and destroy them as a safeguard? That was kind of my point to begin with.

I suspect you're missing my point about only carrying AMEX - of course I know it can be stolen. As a matter of fact, if you read my initial post again, you'll see that in my very first paragraph I mentioned my AMEX was stolen. To make it a little more specific for you, less credit cards on you means less chance of having one stolen. When you travel, do you take every dollar you own? Of course not, because its just not necessary and you run the risk of losing your cash or having it stolen. No different with CC.

Really? My CC info can be stolen like that? I had no idea. Thanks for clearing that up.

I'm sorry, the video that I watched when this thread was started was showing some "crazy" stuff about people not even having to take their CC out of their wallet or purse yet their info was stolen. Good thing it never has to leave their hand.


*****

All I was trying to convey is that no matter how careful you are, your info can still be stolen. Being careless is certainly one way, but the law of large averages can also apply. I use my AMEX card 3, 4, 5 times a day. Chances are, I'm more likely to have my info stolen than the person who uses their card onec a month to buy groceries or pay their utility bill.

 

A scratch through that magnetic strip deep enough that the plastic can be seen through it, destroys the ability to read any information encoded on that strip. Same principal as cutting the card in half. But. Personal security in part is feeling safe so to go that extra rout and take the hotel room key and destroy it later is not wrong in my mind. But I can see the hotel getting a bit pissed, cause those cards do cost a few dollars each to replace. We use a lot of them in our Corporation for key access to our system. Several hundred key pads and probably several thousand access cards issued permanently or temporarily. And they can be de=commissioned in seconds via a computer even without having possession of the card.

ANd I get to give my access card back to my employer in....ONE WEEK!

 

Randy, $25 on ebay get a usb card reader, use hyper terminal on any windows 2000 and newer pc and no scratch can foil it. the stripe cards for hotels cost about $0.35 each, slightly more for fancy graphics and you are billed for them as non returnables. Proxy cards which you use are different, they only have a card id number and a computer( or in the systems ive setup, network of access computers) controls which doors you have access to by that id alone. look up HID proximity cards.

some resorts and cruise ship companies put your cc on your ship pass stripe, along with your personal stats that you gave them for verification, state room, alergy list ect. this has the advantage of one card to carry and no worries, yeah right! one card and im you! hotels started with just a simple unlock date/time pair and a refusal date/time, the locks have batteries in them, some use mains power via cable in the door jamb, and most sync to a time clock pulse like the one in colorado that sets some clocks automaticaly. now most use the hotel wifi system to login to the database and verify the room and time stamps, the card has your payent info so it can be used in the hotel restaurant as a payment method, no pin needed!

and yes your pin IS on the stripe of your debit card dispite what the bank tells you, it must be so that the atm at a competing bank can access your account, your card number, institution, transit, account and pin must be provided to your bank for internal verification, you provide your pin to verify the card is yours to use, this is also sent as the user response in the request. this method of security is known as security by obstification, keep it a seceret and hope no one uses it for criminal intent. it works but is unreliable. That said, they do place junk numbers in the data stream to make it less human readable, some impovements have been 512bit aes encryption of the data, but not all units read that yet.

now that im done scaring you, you signed a usage contract that states you will report all non authorized transactions immediately. after reporting it, its their problem

 

I bought a stainless steel fabric wallet that blocks signals from being read by
card readers.
I do not have any cards yet with RFID chips.

 

I use Umbra cases, they come in different sizes/colors and any card in one cannot be read at all...

Da CLIK!

 

correct, cc info is back on the hotel's system, so someone would have to access the hotel's main or reservation computer, in which case they don't need the coded key anyway. They can just go in and view everyone, key or not. And nearly always, if not always, the key doesn't have your name on it, it merely is able to access a room or even more accurately the lock of a room. So key 1234 is turned on for lock XYZ; no name attached, no CC info. So not 1 in 1,000; 0 in 1,000.