RE: Beware of "skimming" when using your debit card

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RE: Beware of "skimming" when using your debi... - 1/17/2010 8:58:10 PM

rockspider

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quote:

ORIGINAL: WyldHrt

This link has some good pics of a card skimmer/ pin stealer setup at an ATM:
http://www.snopes.com/fraud/atm/atmcamera.asp

That is frigthening. Haven been in manufacturing all my life, all i can say is that it is not some little amateur who has produced that device, but a manufacturing facility with all the professionel machinery to do so.

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RE: Beware of "skimming" when using your debi... - 1/18/2010 1:40:20 AM

Ialdabaoth

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Joined: 5/4/2008
From: Tempe, AZ
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quote:

ORIGINAL: rockspider

quote:

ORIGINAL: WyldHrt

This link has some good pics of a card skimmer/ pin stealer setup at an ATM:
http://www.snopes.com/fraud/atm/atmcamera.asp

That is frigthening. Haven been in manufacturing all my life, all i can say is that it is not some little amateur who has produced that device, but a manufacturing facility with all the professionel machinery to do so.

Absolutely. No matter what we do, there will always be big money in ripping people off, and it will always have a way to get away with it.

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RE: Beware of "skimming" when using your debi... - 1/18/2010 8:53:37 AM

Termyn8or

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Joined: 11/12/2005
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FR

What I said. You owe $37.55, if you hand over a fifty your total possible loss is fifty bucks. This CANNOT, I repeat CANNOT make your rent check bounce.

Now they are trying to uninvent money, and take these scams as a lesson about just why money was invented. Commerce existed before money, but things were just too hard to keep track of, fiat or real it is the way to keep score. If you use cash, it is hard to rip you off because you are standing there waiting for your change.

Now in the old days, a robber could see all those hundreds in your wallet as you fork over the fifty bucks. You could get robbed for everything in your pocket at the time. So it is much safer and easier to swipe the card. But then my little lambs, you could be in for the big shearing. Because what they can take is no longer limited to what is in your pocket.

Kapeesh ?

T

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RE: Beware of "skimming" when using your debi... - 1/18/2010 9:25:42 AM

NuevaVida

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This is the reason I prefer to use a credit card, rather than a debit card. My Visa is through the same bank as my checking account, so if I make a sizable purchase, I just get online and transfer the money to pay the Visa, as though I used my debit card in the first place (and I get my rewards points this way!).

The main reason for this is because a credit card was "skimmed" at a gas station - I had $1800 of charges in China showing on my bill! I filed a fraud report with Visa and I was not responsible to pay the fraudulent charges. Had I used my debit card, that money would have immediately been drained from my account, and who knows HOW long it would have been before it was returned to me. Going the way of Visa, I wasn't out any money at all. Other than filing a report and waiting a few weeks to see the charges removed (as well as interest on those charges), it had very little impact on me.

Now I just check my accounts online pretty regularly, so I can nip any issues in the bud more quickly.

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RE: Beware of "skimming" when using your debi... - 1/18/2010 10:48:46 AM

pahunkboy

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Jenny pays all her bills with money orders. She has done so for the whole 20 years that I know her. She has never ever had a problem with her "bank".

Never had funds misdirected.

Never was too stupid to work an account.

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RE: Beware of "skimming" when using your debi... - 1/18/2010 12:14:47 PM

NuevaVida

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I prefer ease-of-use and rarely step into a bank. All my transactions have been online for the past I dunno how many years. Any "problems" were quickly remedied at no impact to my personal finances. It's simple for me, although obviously not ideal for everyone.

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RE: Beware of "skimming" when using your debi... - 1/20/2010 4:02:11 PM

Vendaval

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A couple more comments -

Some of my cousins bought concert tickets Online with their credit card. Then a few days later had the phone call from the bank, "Mr. xxxxx, Did you buy a boat?" The transaction was removed from their charges as they did not authorize the purchase.

When going to the bank ATM, I only have the car keys and the ATM card in hand so that in the event of a mugging or robbery, my identification and house keys are not as likely to be stolen.

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