Debit card got hacked

[Praxit]

..yep guys, I was checking my BA yesterday. Low and behold there was a charge for $300 already there, with another $500 pending. Charges were made a Paint store and Home Depot.

I called the bank to let them know that wasn't me and that I have my debit card still on me. She said, that it was very possible, that when sliding the card the info leaked to some foreign gadget. That's all it takes. Thieves have devices or machines to duplicate the card. Then they add account info to them.

She also told me, its important that you use a card with chip on it. It has more layers of defense on them.

...so don't swipe, get the chip kind.

 

[CouchCoach]

Been there and just recently. The difference is if they were using my card at a paint store and Home Depot, the bank would know better and the insult to me personally would cause me to track them down and butcher and eat them. That is adding insult to injury. I just hope the next time someone gets the number, they don't end up at the liquor store, the bank will let that run incessantly.

 

[John813]

Which is why I never use a debit card.

They say they will refund you or are you SOL?

 

[lukin2006]

..yep guys, I was checking my BA yesterday. Low and behold there was a charge for $300 already there, with another $500 pending. Charges were made a Paint store and Home Depot.

I called the bank to let them know that wasn't me and that I have my debit card still on me. She said, that it was very possible, that when sliding the card the info leaked to some foreign gadget. That's all it takes. Thieves have devices or machines to duplicate the card. Then they add account info to them.

She also told me, its important that you use a card with chip on it. It has more layers of defense on them.

...so don't swipe, get the chip kind.

That sucks. Just so you know, I have read that the chip technology is considered outdated...and the future is Apple Pay, Google Pay...etc. Apparently, any info transmitted by those services are only good for 1 transaction. It's just what I read. My Dad got hacked for $500...only took a week for the bank to put the money back.

 

[YosemiteSam]

I only use my debit card to get cash when I need it (which is almost never)

Other than that I only use a credit card due to the extremely high risk of using a debit card if it gets swiped.

Everyone should heed that advice.

 

[GMO415]

OUCH

 

[GMO415]

Which is why I never use a debit card.

They say they will refund you or are you SOL?

Most purchases are done with a CC, not my debit card.

 

[BigStar]

I got hit on Halloween night and it was also on my debit card (CA liquor store for $250). I broke my general cc and didn't know debit cards were so susceptible to hacking...do now

 

[jrumann59]

They are just as easy to hack as a CC. The issue is while your bank resolves it you are out the money. With a CC they investigate and its their money they are trying to get back.

 

[Xelda]

I hate to hear about everyone getting hit by these unscrupulous animals. Here's a short run down of what I know about it.

RFID is an acronym for “radio-frequency identification” and refers to a technology whereby digital data encoded in RFID tags or smart labels are captured by a reader via radio waves.

Companies embed a small chip in products that allows information to be transmitted to a reader wirelessly, decreasing transaction time. In comparison to traditional credit cards or ID cards that require a strip to be read, products with this technology only require proximity to transmit information and complete transactions. These cards are presented as convenient, but they are also susceptible to being skimmed without ever leaving your pocket.

There are now sleeves and wallets sold for the cards that block access to the information. Check into RFID wallets and sleeves. I found the sleeves too tight for my cards and didn't like fidgeting with them.

 

[Praxit]

..yep guys, with the holidays here best to keep vigilante eyes peeled. ...You know, if someone hacked my account at a Dallas Cowboy merchandise store, I'd understand..lol.. But at a Eagles store...??? Thats time for FBI involvement. ..
... just kidding on those last lines..

 

[Tabascocat]

Mine gets hit every few months or so, WF or Chase always takes care of it

 

[YosemiteSam]

I got hit on Halloween night and it was also on my debit card (CA liquor store for $250). I broke my general cc and didn't know debit cards were so susceptible to hacking...do now

It's not any different hack wise than a credit card. The biggest issue is, when they get your debit card, that is real cash out of your pocket that you cannot use until you "maybe" get that money back.

When it's a credit card, it's only credit that they take. That is the credit card's money, not yours. The $500 that is still in your bank account is cash in your hands.

 

[YosemiteSam]

I hate to hear about everyone getting hit by these unscrupulous animals. Here's a short run down of what I know about it.

RFID is an acronym for “radio-frequency identification” and refers to a technology whereby digital data encoded in RFID tags or smart labels are captured by a reader via radio waves.

Companies embed a small chip in products that allows information to be transmitted to a reader wirelessly, decreasing transaction time. In comparison to traditional credit cards or ID cards that require a strip to be read, products with this technology only require proximity to transmit information and complete transactions. These cards are presented as convenient, but they are also susceptible to being skimmed without ever leaving your pocket.

There are now sleeves and wallets sold for the cards that block access to the information. Check into RFID wallets and sleeves. I found the sleeves too tight for my cards and didn't like fidgeting with them.

If you have cards with the little microchip on them. (EVM cards) they aren't RFID cards and there isn't anything to worry about. In truth, it has never been fully proven that RFID cards are truly vulnerable since you are supposed to use some sort of two-factor authentication with them. Just scanning them doesn't complete the fraud. Though I've never had an RFID card. All my current cards (debit / credit) are EVM cards with the chip.

 

[CouchCoach]

My debit card has been changed, at the direction of the bank, 4 times in the last 18 months. It's a little ambiguous because it hasn't been hit or even suspicious activity noted but the words "may have been compromised" were used each time. My bank stands behind my DC and CC so I can't argue much with that, they're out the money if they get hit.

 

[BigStar]

It's not any different hack wise than a credit card. The biggest issue is, when they get your debit card, that is real cash out of your pocket that you cannot use until you "maybe" get that money back.

When it's a credit card, it's only credit that they take. That is the credit card's money, not yours. The $500 that is still in your bank account is cash in your hands.

Hear ya, cc gives them more incentive to try to recoup the money. My bank refunded it over the phone so didn't have to deal with waiting luckily.

 

[YosemiteSam]

My debit card has been changed, at the direction of the bank, 4 times in the last 18 months. It's a little ambiguous because it hasn't been hit or even suspicious activity noted but the words "may have been compromised" were used each time. My bank stands behind my DC and CC so I can't argue much with that, they're out the money if they get hit.

It's probably all the charges from CaptianStabbin.com

 

[Praxit]

Mine gets hit every few months or so, WF or Chase always takes care of it

..dang..! you get hit every few months?? ..that's nuts.

 

[Reverend Conehead]

Happened to me a couple years ago. Also, don't pay at the pump or use self-scan at the supermarket. Those are vulnerable to hacking.

 

[Reality]

Criminals use skimmers to steal card numbers. Skimmers are hardware devices that sit over the card slide-in slots in ATMs and other card sliding machines that appear to be part of the machine itself, but really are attached externally. This has been very common at gas pumps and ATMs for years

Hackers can easily duplicate (clone) the chips on chipped credit cards as proven at Black Hat conference a couple of years ago ..
https://www.rt.com/usa/354657-chip-pin-cards-blackhat/

If you must use a debit card, always use it as a credit card, not debit. Using it as a credit card usually (not always) provides you an extra layer of protection by the issuing card company (Visa or MasterCard usually) depending on your bank.

Do not ever enter your PIN number in anything if you can avoid it. The only time I have ever had to use my PIN is at an ATM and only after banking hours. If the bank is open, I go inside even if there are lines.

If your bank offers it, set up online alerts through online banking. This is especially a good idea if you are not prone to spending (charging) large sums regularly throughout the month.

For example, if you regularly spend $100 or less in one transaction, then set an alert for each time your card is charged $100 or more. If you commonly spend up to $250 in one transaction but only occasionally go over $250, set an alert for $275. Yes, you may get spam alerts for things you bought yourself, but all it takes is someone stealing your card number one time for those annoying alerts to turn into appreciated security reminders.

Most importantly, if you ever see a charge on your card or account you didn't make (and you are SURE you didn't make it), call your bank immediately! There are consumer protection laws in place that define what you are and are not responsible for and they heavily favor the consumer when caught quickly.

If you lose your credit card away from your house or you are not sure if you lost it at home or somewhere else, call the bank immediately and report it lost or stolen. Those consumer protection laws only protect you over a longer period when you still have possession of the physical card.

You are still protected when you lose or someone steals your card, but the window is very small compared to fraudulent charges from a stolen card number.