How did they get my PIN?
I live in the UK and have recently joined the growing number of people who have had thier card details somehow copied and used to withdraw money from a Norwegian ATM . they managed to withdraw over £1500.00 per day in thier local currency.
I am aware of the obvious precautions of shielding the key pad and looking for false/added equipment at the atm and never let anybody take the card out of my sight when paying for items at shops or restaraunts etc.
how did they get my pin and how did they manage to take out more money per day than i can? more importantly why the hell did the bank not contact me to question how and why i was purchacing fuel and shopping in the UK and making large ATM withdrawals in Norway on the same days ?
Answers:
Hi, yes frustrating isn't it?
There are quite a few ways of doing this. The simplist is just shoulder surfing, but you are wise to that one.
The next one is the the added equipment. I've seen some of the professional ones recovered from tampered machines, and I tell you now you can't spot them! They are perfect matches in terms of colour and fit for the machine they are attached to.
You also have to consider now that CHIP and PIN transaction may have been compromised. It's a fact that the UK banks have gone for the cheaper less secure option in the technology they have brought in. This means it is possible to rig a card reader to take the mag strip data and record the key presses from the pin pad. All you need to make a simple clone!
The daily limit can be exceeded if you write your card data onto a card in a name that you have a 'fake' passport for. You just hand it over at a bank counter and so long as they have a passport with a good picture match, it passes.
As for why the transactions were authorised, I can only blame the Merchant services division. If it makes you feel better I had a card transaction refered for ID verification (date of birth, post code etc) whilst paying at my Dentist. I asked them seeing as my Dentist had my dental records (THE LAST WORD IN IDENTIFICATION) did they really think they wouldn't notice if I was an imposter?
Your card details may have been collected on purchasing on the internet. Or perhaps your bank's data bank may have been hacked.
Or even when you pay for your shopping at your store the credit card details can easily be copied from the receipt which carries a record.
I saw something on the news about banks using cheap chip & pin machines that can have bits illegally added on by a insider which then copies all info passed through so the crooks can copy them to any card even a mobile top up card & then use it to get ur money..u should take it up with ur bank as to why there were able to withdraw so much,I hope ur not having to pay,its the banks fault.
from the Internet you must purchased from insecure site
The only advice I can give you is to check every time you use your card to log off. That happens to my husband and it was because he never log off.You should get another bank account or change your card to be sure.
Credit card is never safe no matter where u purchasing on the net or key pad. I have own site and only paid by cheques no credit card on line or phone us, not like this Pay-Pal - eBay i will not shop there, too many people complain no wonder eBay so popular over millions reg their site and hackers watch 24/7, is been on the newspapers and TV news.
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I am aware of the obvious precautions of shielding the key pad and looking for false/added equipment at the atm and never let anybody take the card out of my sight when paying for items at shops or restaraunts etc.
how did they get my pin and how did they manage to take out more money per day than i can? more importantly why the hell did the bank not contact me to question how and why i was purchacing fuel and shopping in the UK and making large ATM withdrawals in Norway on the same days ?
Answers:
Hi, yes frustrating isn't it?
There are quite a few ways of doing this. The simplist is just shoulder surfing, but you are wise to that one.
The next one is the the added equipment. I've seen some of the professional ones recovered from tampered machines, and I tell you now you can't spot them! They are perfect matches in terms of colour and fit for the machine they are attached to.
You also have to consider now that CHIP and PIN transaction may have been compromised. It's a fact that the UK banks have gone for the cheaper less secure option in the technology they have brought in. This means it is possible to rig a card reader to take the mag strip data and record the key presses from the pin pad. All you need to make a simple clone!
The daily limit can be exceeded if you write your card data onto a card in a name that you have a 'fake' passport for. You just hand it over at a bank counter and so long as they have a passport with a good picture match, it passes.
As for why the transactions were authorised, I can only blame the Merchant services division. If it makes you feel better I had a card transaction refered for ID verification (date of birth, post code etc) whilst paying at my Dentist. I asked them seeing as my Dentist had my dental records (THE LAST WORD IN IDENTIFICATION) did they really think they wouldn't notice if I was an imposter?
Your card details may have been collected on purchasing on the internet. Or perhaps your bank's data bank may have been hacked.
Or even when you pay for your shopping at your store the credit card details can easily be copied from the receipt which carries a record.
I saw something on the news about banks using cheap chip & pin machines that can have bits illegally added on by a insider which then copies all info passed through so the crooks can copy them to any card even a mobile top up card & then use it to get ur money..u should take it up with ur bank as to why there were able to withdraw so much,I hope ur not having to pay,its the banks fault.
from the Internet you must purchased from insecure site
The only advice I can give you is to check every time you use your card to log off. That happens to my husband and it was because he never log off.You should get another bank account or change your card to be sure.
Credit card is never safe no matter where u purchasing on the net or key pad. I have own site and only paid by cheques no credit card on line or phone us, not like this Pay-Pal - eBay i will not shop there, too many people complain no wonder eBay so popular over millions reg their site and hackers watch 24/7, is been on the newspapers and TV news.
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