4 ms·

> What's worse is most people don't even consider the risk to calling in an order from a local restaurant for delivery (chinese, for example). if you review yo

> What's worse is most people don't even consider the risk to calling in an order from a local restaurant for delivery (chinese, for example). if you review your monthly statement, the "risk" is the possible inconvenience of having your card replaced. I don't let it stop me from ordering my favorite takeout, but you do you.

P5fRxh5kUvp2th 4y ago
yeah... because ... you know, they'll only charge once in a first month and do nothing else.
- librish 4y ago
  No but you'll get all of their charges reversed and then get a new card.
- leetcrew 4y ago
  I honestly don't understand your threat model here. from the post I originally replied to, it's clear that you already understand that you can easily reverse unauthorized charges to a credit card. if you're already reviewing your monthly statements (which you really should be, as part of sane budgeting), this is basically a non-issue. you tell your cc issuer you suspect someone has stolen your credit card info, they cancel the card, and you can probably even get them to ship you a new one overnight. it's unlikely things even get to this stage though. card not present with no cvv is already the most highly scrutinized type of cc transaction by the processor. I guess someone could probably treat themselves to their own monthly takeout order without me noticing for a while, but at least to me, this minuscule risk does not seem worth the mitigations you are taking.
  - P5fRxh5kUvp2th 4y ago
    I challenge you to quote me saying I don't order takeout. Furthermore, many people use debit cards backed by an actual bank account and the vast majority of people can't afford to have those drained in any meaningful fashion without experiencing some severe consequences. And thirdly, when the equifax breach happened I didn't bother doing anything. Why? Because I do NOT have the attitude that it's ok to be defrauded of money since someone else will pay for it. There was nothing for them to go after.

P5fRxh5kUvp2th 4y ago

yeah... because ... you know, they'll only charge once in a first month and do nothing else.

librish 4y ago
No but you'll get all of their charges reversed and then get a new card.
leetcrew 4y ago
I honestly don't understand your threat model here. from the post I originally replied to, it's clear that you already understand that you can easily reverse unauthorized charges to a credit card. if you're already reviewing your monthly statements (which you really should be, as part of sane budgeting), this is basically a non-issue. you tell your cc issuer you suspect someone has stolen your credit card info, they cancel the card, and you can probably even get them to ship you a new one overnight. it's unlikely things even get to this stage though. card not present with no cvv is already the most highly scrutinized type of cc transaction by the processor. I guess someone could probably treat themselves to their own monthly takeout order without me noticing for a while, but at least to me, this minuscule risk does not seem worth the mitigations you are taking.
- P5fRxh5kUvp2th 4y ago
  I challenge you to quote me saying I don't order takeout. Furthermore, many people use debit cards backed by an actual bank account and the vast majority of people can't afford to have those drained in any meaningful fashion without experiencing some severe consequences. And thirdly, when the equifax breach happened I didn't bother doing anything. Why? Because I do NOT have the attitude that it's ok to be defrauded of money since someone else will pay for it. There was nothing for them to go after.