Card skimmers

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  #1  
Old 11-14-15, 01:04 PM
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Card skimmers

I never thought it would happen to me. I seldom use cash or checks for anything, preferring the ease of using plastic. Last week I used a debit card to pay for gas at a very busy gas station at a highway exit. I was in a hurry and didn't pay a lot of attention when the pump ignored my swipe the first try. I swiped it again and the pump came on. I found out later that is one indication that a card skimmer might be installed.

The next morning I checked my account balance on line and found a couple of hundred dollars of charges I did not make. I called my bank's 24 hour fraud number and immediately cancelled the card. I went to the bank when they opened at 9 AM to get a replacement card. Additional charges of over 3 grand had been attempted - and declined - in just a couple of hours since I had cancelled the card. Most of the charges were for on line gaming and porn.

Moral - look closely at gas pump card readers. According to my bank they are the #1 spot for skimmers. Easy to install and remove. Check your credit and checking account balances often. The bank tells me that guys using card skimmers will typically burn through a card in the first few hours after getting the info.
 
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Old 11-14-15, 03:17 PM
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I am sorry to hear that cwbuff you have to be careful everywhere it seems and many people are fooled by those card skimmers. Thankfully the banks are more understanding now about fraud and you usually will not have lost anything except maybe $50.00. Speaking about banks they also are one of the number one targets as the outside ATM machines are usually very vulnerable. With those RFID chips in credit and debit cards they don't even need a skimmer just being in close proximity to you is all they need. So it pays to look online with your bank or banks just to be sure.

As bad as this is it serves as a good reminder for everyone and it will help others too.
 
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Old 11-14-15, 06:47 PM
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A note on the new cards with chips...as I understand they would have to be within VERY close proximity of your card. They can't just walk by your house and scan everything. Even then, they use very high encryption and other things for protection.
 
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Old 11-14-15, 06:55 PM
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Did you go back to that gas station to see if there were anything mounted, on the pump? Something like that was done, on the Long Island Railroad that goes from Manhattan to Montauk. However, one of them fell off of a ticket machine. The following investigation found one installed on almost every ticket machine, along one of the lines.
 
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Old 11-14-15, 07:23 PM
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A note on the new cards with chips...as I understand they would have to be within VERY close proximity of your card
You are right Vic I understand the same as you do but as the commercials on television say the devices the crooks have are hidden. Those devices are quick and at the end of the day they put the information into a computer and use a decryption algorithm. Now there are newer wallets and add ons to existing wallets that can prevent communication to those hidden devices.
 
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Old 11-15-15, 04:58 AM
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The subject is "Electronic Pickpocketing"

Portable scanners 'pickpocket' data on credit cards, some say | The Columbus Dispatch

There is an article, on it & the following link is a video made by the person who was mentioned, in the article.

https://www.youtube.com/watch?v=6f41ydcaAzo
 
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Old 11-15-15, 05:11 AM
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It seems that gas stations are the #1 place for skimmers. In California, and I hope everywhere, they started placing security tape on the card readers. My understanding is there is no way to add a skimmer to the front of the pump reader without breaking the tape. So this is a good place to start checking for safety.
Luckily, in over 25 years, I have never been responsible for any fraudulent charge made, not even the $50.00 some card issuers state is the cardholder's responsibility.
 
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Old 11-15-15, 06:00 AM
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The gas station is a couple of hundred miles away. I did call the company and they had their security people check it out. They found nothing but they said that wasn't unusual. Skimmers are usually installed and removed in a couple of hours. That station was the only place I used the card in several days so I am confident that was where I got skimmed.

Fortunately, I was not out of pocket for any of the charges. I got a follow up letter from the bank yesterday. Of the 4 charges that were accepted one of the merchants (a porn site no less) had returned the funds to the bank. The bank ate the rest.
 
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Old 11-15-15, 06:14 AM
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Some more info on RFID equipped cards - LINK


From the article:

In addition, Vanderhoof says, newer contactless cards host a key that creates a dynamic cryptogram—usually a three-digit security code—that is sent to the back-end system to uniquely identify each contactless transaction. The key used to create the cyrptogram from the credit-card number, expiration date and so forth is never broadcast, so it can not be skimmed using an RFID reader. Thus, there is no way to utilize a cloned card to execute a transaction at a store that accepts contactless payments.


The key can't be skimmed since it isn't broadcast, so it's impossible to skim the key and clone the tag.
 
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Old 11-15-15, 07:53 AM
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At our gas stations, after inserting card you must enter your zip code to active the transaction. Does this type of "protection" prevent the recording of the card number prior to entering zip code?
 
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Old 11-15-15, 11:37 PM
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Well I just ordered a bunch of RFID blocking sleeves for my credit cards. So Far capital one is the only one to reissue my card with a RFID chip. My mom got a new debit card with the chip but I have not got one yet and we have the same bank. I understand all cards have to be chipped by the end of the year.
 
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Old 11-16-15, 04:17 AM
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flirty1 Did you watch the video that I posted, in post #6? Make sure the sleeves really block the readers.
 
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Old 11-16-15, 04:34 AM
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I understand all cards have to be chipped by the end of the year.


Note: This is not a government mandate. It is a bank association rule. EMV -- which stands for Europay, MasterCard and Visa -- is a global standard. Although merchants may be fined by the bank association the Feds are not involved or enforcing any type of procedure. Merchants don't HAVE to comply. Of course if they don't, they will loose bank support and business.
 
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Old 11-16-15, 07:34 AM
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Gas stations don't have to comply until 2017.
Merchants who don't comply assume the liability for fraud.
Having an EMV Chip Card does not mean you have an RFID card - the vast majority are contact only. Check with your bank, as its difficult to tell by looking at the card.
 
  #15  
Old 11-16-15, 11:26 PM
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My credit credit card has a chip in it as I can see the chip which is the size of a micro SD card.
 
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