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- Canada - Toronto & Southern Ont.
-- Victim Of Debit Card Skimming
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One thing I'm noticing is that places like the food court establishments in malls are charging 25 cents or more for debit payments to buy food. This doesn't seem right. Any one know if this is allowable?
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| Originally posted by exraver My main concern is with convenience store ATMs, these no name companies, I think these are the worst. |
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| Originally posted by Prometheus Xex Makes no difference. More and more these machines are being switched at popular retailers and switched back. The pin numbers are easily retrieved from the altered units. Apparently this "trick" is growing as an epidemic. |
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| Then I go to pay for something and my card is declined and I look like a fool. Thank got its never happened at a restaurant. They really should call you if they are going to cancel your card... |
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| Originally posted by love_child They should make it mandatory for every business to upgrade these card readers! I wish I knew who did it though...would be nice to lay a beating  |
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| Originally posted by Intangible What makes me really angry (although not as angry as if I were to ever have money stolen from me) is when TD cancels my card because I have used it at an area of 'risk' and doesn't bother telling me. Then I go to pay for something and my card is declined and I look like a fool. Thank got its never happened at a restaurant. They really should call you if they are going to cancel your card... |
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| Originally posted by Orko Had that happen to me, and they absolutely refuse to tell you where it was. So, I go back, and had another card canceled on me. "dont worry about it, we are working with the police to close the risk". bullshit. |
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| Originally posted by geroin i used to work at rbc visa cards services for 3 years, i know how these cards work. |
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| Originally posted by Prometheus Xex One thing I'm noticing is that places like the food court establishments in malls are charging 25 cents or more for debit payments to buy food. This doesn't seem right. Any one know if this is allowable? |
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| Originally posted by *~LiSa-LoO~* They do. You should check to see which number you have as your primary phone number. B/c when they called me one time about suspicious activity they called my house in Windsor, while I was in Cambridge. So my parents have to call my cell phone and have me call them back. Make sure your cell phone is your primary number for this reason. |
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| Originally posted by love_child They should make it mandatory for every business to upgrade these card readers! I wish I knew who did it though...would be nice to lay a beating |
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| The association has set up deadlines for the industry and says all ATMs in the country must be chip and PIN compliant by 31 December 2012, while all merchant terminals must be compliant by 31 December 2015. |
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| Originally posted by geroin that's for debit cards, for credit cards merchant has an option to manually process the transaction to let the customer sign but they only do that in very rare circumstances. There is also a huge migration process in place to help elderly people get used to the new system so they let everyone have 3 tries to get their pin number right, once you do that you could not sign anymore but if you were to enter your pin number incorrectly all the time since you got the card it will just print out paper to sign every time, that's still in place afaik. |
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| Originally posted by StereoPrincess oh yeah. they call and it's annoying as hell. they will call until after a day you don't answer and they place your card on hold. |
^^^ That's why I think it's better to have your cell phone as your primary number. As you're more likely to have your cell phone if you're out using your credit or debit card.
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| Originally posted by exstasie Nice, good to know. I wonder if there are any regs to change that going forward to force those with Chip to use Chip to avoid the skimming issue. |
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| Originally posted by StereoPrincess you don't work there anymore? did you change jobs within RBC or left altogether? |
I know a couple people, myself included, that had their chip card "compromised" within a month or two after having it. With everyone who I spoke to, nothing had happened on their account but we were all told to go pick a new PIN?
Weird, almost like the bank was just trying to make us do that? If it was compromised, would there have been some odd charges on our accounts?
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| Originally posted by *~LiSa-LoO~* They do. You should check to see which number you have as your primary phone number. B/c when they called me one time about suspicious activity they called my house in Windsor, while I was in Cambridge. So my parents have to call my cell phone and have me call them back. Make sure your cell phone is your primary number for this reason. |
Ill look into that.
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| Originally posted by geroin and soon most banks will merge credit cards and a debit cards together, some already have it in place |
Bank of Cyprus had those back in like 2000 I think? So convinient AND you only spend the funds that you have
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| Originally posted by cammaxwell I know a couple people, myself included, that had their chip card "compromised" within a month or two after having it. With everyone who I spoke to, nothing had happened on their account but we were all told to go pick a new PIN? Weird, almost like the bank was just trying to make us do that? If it was compromised, would there have been some odd charges on our accounts? |
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| Originally posted by geroin and soon most banks will merge credit cards and a debit cards together, some already have it in place |
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| 8. Payment card network rules will ensure that debit and credit card functions shall not co-reside on the same payment card. Debit and credit cards have very distinct characteristics, such as providing access to a deposit account or a credit card account. These accounts have specific provisions and fees attached to them. Given the specific features associated with debit and credit cards, and their corresponding accounts, such cards shall be issued as separate payment cards. Consumer confusion would be minimized by not allowing debit and credit card functions to co-reside on the same payment card. |
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| Originally posted by exstasie Actually, they changed that with the release of the new Federal Code of Conduct in April by Flaherty. |
banks will also typically call you if your card was used at a place where fraudulent activity has been suspected. Doesnt mean anything has happened to your card.
Ive had mine skimmed a few times. Twice they took money and it typically took about 10 business days to get it back.
a CC is quicker to reverse charges .
And as already mentioned chip card doesnt mean much because majority of merchants arent set up to use it yet.
so 75% of the time you swipe and your card is vulnerable.
the key is to not use it in sketchy places or machines.
yes it still happens at normal places but its less likely to imo.
any sketch place i happen to end up at gets cash or credit and ive been doing much better keeping that system.
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| Originally posted by geroin i recommend getting a chip bank card for the future, those cannot be copied, yet. |
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