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> Apparently you never had a card skimmed I did! Just a few days ago! And it's a chip card, but doesn't matter since the skimmer used the information in the ma

by 4ad 10y ago

> Apparently you never had a card skimmed I did! Just a few days ago! And it's a chip card, but doesn't matter since the skimmer used the information in the magstripe online. > Your card is cancelled and you have to wait some days for a replacement (requiring also that you update it everywhere) The new card arrived minutes ago! And that only because they had to send it to a different country. I would have gotten one the same day if I wouldn't have been abroad. This is the reason why I have multiple cards, and why I never mix up the cards I use online, with the cards I use physically at the store. Since the card that was skimmed was one that I used physically, I didn't have to change it anywhere. And in the meantime, I had backup cards. Always have backup cards and backup banks. > The money you lost (in case of debit) will get back to you, after an investigation. Nope. The money was returned instantly. In fact, the bank realised what was going on and reversed all transaction before even calling me. If my bank didn't do these basic things I would chose a different bank.

raverbashing 10y ago
Ah so apparently you have American bank cards This is more complicated when you're a tourist You know in Europe people don't have many cards. Some people use a prepaid one for online transactions (not only for fraud but also for "things I suspect I might get overcharged") (I also don't want to swipe my card before I know how much they're charging for it, so I'll wait for everything to give them my card) Don't dismiss it as "the bank pays for it", I know banks get big profits, but guess where they money come from.
- 4ad 10y ago
  > Ah so apparently you have American bank cards No, this was a Romanian bank, and a Romanian card, and I am currently in Austria. > You know in Europe people don't have many cards. Yes, I know that. It's very annoying because it allows many merchants to not accept cards, or certain types of cards (e.g. VISA/Mastercard).
Nursie 10y ago
There isn't enough information on the chip to perform online transactions, the CVV is not present. I call shenanigans.
- XorNot 10y ago
  The CVV is optional depending on the type of transaction you're authorized to make.
  - 4ad 10y ago
    In particular, Amazon does not require a CVV.
    - vertex-four 10y ago
      I've definitely had to enter a CVV on occasion on amazon.co.uk. And apparently on .in it even does that and uses 3D Secure!
Aaargh20318 10y ago
> I did! Just a few days ago! And it's a chip card, but doesn't matter since the skimmer used the information in the magstripe online. None of my cards have magstripes, that was phased out years ago, so skimming is only a problem because you still haven't migrated away from those. It's not a problem with the chip cards. Even if you got all the information on the card, my cards all require a second-factor for all online transactions. > This is the reason why I have multiple cards, and why I never mix up the cards I use online, with the cards I use physically at the store. An inconvenience that is only required because the security of your cards is less than optimal.
- 4ad 10y ago
  > None of my cards have magstripe Good luck using them in the United States. > that was phased out years ago Where do you live? There have been chip-only debit cards all around the world, but I am not aware of anywhere in the world where they have chip-only credit cards (except maybe in Korea, not sure). Good luck showing up at a hotel without a credit card, or good luck trying to rent a car. > my cards all require a second-factor for all online transactions. Good God, what annoyance. My banks also tried to offer me this "service". I am sure going to wake up in the middle of the night just to approve Amazon's request to take my money for some product that I ordered during the day. Not to mention the whole plethora of online services I use that charge me monthly at random times. Looking at my CC bills, I use CCs online multiple times a day. I'm so happy I don't have to approve each one of those. Good thing I could opt-out of 3DSecure too, which in the case of my bank uses SMS, which never arrives in time (or at all) while I am abroad. > An inconvenience that is only required because the security of your cards is less than optimal. There's no inconvenience. Even ignoring security, not having multiple cards and multiple banks is completely unresponsible. It increases availability for so many reasons. The security aspect of it is just bonus. What is inconvenient is not being able to buy stuff in the US, or rent hotels and cars. Different people have very different definitions of inconvenient, I guess.
  - michaelt 10y ago
    I am sure going to wake up in the middle of the night just to approve Amazon's request to take my money for some product that I ordered during the day. Credit and debit card transactions use a two-step process - first of all the charge is approved (between the customer, bank and retailer) and later the charge is transferred. The latter process requires no customer intervention. In face-to-face retailing the two steps happen within seconds of each other, but they don't /have/ to. They can also charge slightly different amounts - for example if your card is swiped for a restaurant bill before you've chosen what tip you're leaving, or if your order comes in two shipments as it's partly back-ordered. Any two-factor authentication for online use happens as soon as you give your card details, regardless of whether the retailer waits until the box is shipped before transferring the charge.

by 4ad 10y ago

raverbashing 10y ago

Ah so apparently you have American bank cards This is more complicated when you're a tourist You know in Europe people don't have many cards. Some people use a prepaid one for online transactions (not only for fraud but also for "things I suspect I might get overcharged") (I also don't want to swipe my card before I know how much they're charging for it, so I'll wait for everything to give them my card) Don't dismiss it as "the bank pays for it", I know banks get big profits, but guess where they money come from.

4ad 10y ago
> Ah so apparently you have American bank cards No, this was a Romanian bank, and a Romanian card, and I am currently in Austria. > You know in Europe people don't have many cards. Yes, I know that. It's very annoying because it allows many merchants to not accept cards, or certain types of cards (e.g. VISA/Mastercard).

Nursie 10y ago

There isn't enough information on the chip to perform online transactions, the CVV is not present. I call shenanigans.

XorNot 10y ago
The CVV is optional depending on the type of transaction you're authorized to make.
- 4ad 10y ago
  In particular, Amazon does not require a CVV.
  - vertex-four 10y ago
    I've definitely had to enter a CVV on occasion on amazon.co.uk. And apparently on .in it even does that and uses 3D Secure!

Aaargh20318 10y ago

> I did! Just a few days ago! And it's a chip card, but doesn't matter since the skimmer used the information in the magstripe online. None of my cards have magstripes, that was phased out years ago, so skimming is only a problem because you still haven't migrated away from those. It's not a problem with the chip cards. Even if you got all the information on the card, my cards all require a second-factor for all online transactions. > This is the reason why I have multiple cards, and why I never mix up the cards I use online, with the cards I use physically at the store. An inconvenience that is only required because the security of your cards is less than optimal.

4ad 10y ago
> None of my cards have magstripe Good luck using them in the United States. > that was phased out years ago Where do you live? There have been chip-only debit cards all around the world, but I am not aware of anywhere in the world where they have chip-only credit cards (except maybe in Korea, not sure). Good luck showing up at a hotel without a credit card, or good luck trying to rent a car. > my cards all require a second-factor for all online transactions. Good God, what annoyance. My banks also tried to offer me this "service". I am sure going to wake up in the middle of the night just to approve Amazon's request to take my money for some product that I ordered during the day. Not to mention the whole plethora of online services I use that charge me monthly at random times. Looking at my CC bills, I use CCs online multiple times a day. I'm so happy I don't have to approve each one of those. Good thing I could opt-out of 3DSecure too, which in the case of my bank uses SMS, which never arrives in time (or at all) while I am abroad. > An inconvenience that is only required because the security of your cards is less than optimal. There's no inconvenience. Even ignoring security, not having multiple cards and multiple banks is completely unresponsible. It increases availability for so many reasons. The security aspect of it is just bonus. What is inconvenient is not being able to buy stuff in the US, or rent hotels and cars. Different people have very different definitions of inconvenient, I guess.
- michaelt 10y ago
  I am sure going to wake up in the middle of the night just to approve Amazon's request to take my money for some product that I ordered during the day. Credit and debit card transactions use a two-step process - first of all the charge is approved (between the customer, bank and retailer) and later the charge is transferred. The latter process requires no customer intervention. In face-to-face retailing the two steps happen within seconds of each other, but they don't /have/ to. They can also charge slightly different amounts - for example if your card is swiped for a restaurant bill before you've chosen what tip you're leaving, or if your order comes in two shipments as it's partly back-ordered. Any two-factor authentication for online use happens as soon as you give your card details, regardless of whether the retailer waits until the box is shipped before transferring the charge.