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Credit Card Cloning - A Caution

Discussion in 'Lounge' started by Android853sp, Dec 4, 2017.

  1. You'd think so wouldn't you? I mean it all seems very civilised, which coming from a bank is very curious behaviour.
     
  2. They refund that "illegal" V4 deposit?? :p
     
    • Funny Funny x 1
  3. I've disabled the contactless antenna on my cards. Its easy to do. My bank said it didn't issue non-contactless cards so mine have had the snip.

    I had my card cloned/skimmed last year. Somewhere, the details held on the card were copied, but not my address. As I have a scan-proof wallet I can only assume that my card was read by a covert scanner when I presented it for payment. There was only one occasion in the recent past when I used the card physically in a card reader and that was in a petrol station in Winchester. There was something I didn't trust about the proprietors so I presented my credit card rather than my debit card and not long after the fraudulent transactions started coming.
     
  4. Interestingly, I read somewhere on the internet (so it must be true) that there have been zero incidents of contactless fraud. Since version 1 of contactless, they should it COULD be done but no longer with newer cards (last few years apparently). Despite the possibility with V1 cards, they never actually had it happen and it was always cloned cards or other types of fraud (online, using the digits etc).

    EDIT: just to add, I was reading about incidents of contactless skimming, not people losing their cards and having them used via contactless. They’ve had zero evidence of people using machines to whip £30 or less through people’s jackets/wallets.
     
    #24 JH_1986, Dec 4, 2017
    Last edited: Dec 4, 2017
  5. I always try and use Apple Pay where possible. As above, it requires my fingerprint to activate.

    I try where possible to get cashback at supermarket tills too if I need notes, but I always give a cash machine a good look over if I have to use one.
     
  6. Apple Pay user here too

    So easy to spend money..,
     
  7. I think it was the Money Programme on the BBC that ran a piece a few months ago on contactless fraud. They reported instances of people who had lost their contactless cards, or had them stolen, and were still having unauthorised contactless payments debited from their account using the stolen card long after it had been stopped by their bank and a replacement issued.
    These weren't covert scanning crimes but lost or stolen cards being used for opportunistic contactless frauds after the card was supposedly stopped. In some instance these went on for years and the card holder had trouble getting the money refunded and their bank seemed unable (or unwilling) to "switch off" the cards ID for low value contactless use. How the contactless function was bypassing the stop that had been placed on the card wasn't made clear but it was certainly happening in some cases.

    Personally, whatever the truth, I can't see its worth taking the risk just to save ten seconds at the till, so mine has gone back to contact reading only.
     
    • Agree Agree x 1
  8. Swmbo had one of her cards cloned a few years ago. It was traced back to a shell garage run by Asians and they'd done it to a few people apparently.

    The twats spent £2700 on shite in one evening and it was just so a stroke of luck that I checked the account the day after and saw all these odd purchases that had been made on electronic equipment.

    The bank were great and refunded the scammed money straight away.
     
  9. Funnily enough it was a garage in Ystalyfera run by Asians that scammed my mate.
     
  10. Lots of petrol stations on here in quite a small number of people. Let’s all go electric :joy:
     
    • Like Like x 1
  11. Thankful I have a fuel card now!
     
  12. How ?
     
  13. Yep. Exactly the same scenario with me. They bought a £1200 TV from Argos and tried to pay a £1500 deposit on a flat. I spotted it before the £1500 had cleared but I saw the Argos sale on my account online and rang up Argos Direct to "complain" about my recent delivery and thereby got the delivery address out of them which I passed on to the police.

    The thieves were thick as shit and left a massive paper trail behind themselves so it obviously wasn't a sophisticated online fraud and I've got absolutely no doubt who was responsible. But I can't prove it or I'd post the name of the garage. I'm pretty sure the police didn't prosecute and I'm pretty sure I know why and it'll have nothing to do with proof or evidence. You only leave that clear a trail behind your crime when you know you can't be touched for other reasons.
     
    • Agree Agree x 1
  14. My uncles local petrol station that cloned his, got raided. Was under new management shortly after.
     
  15. Mmmm, in Winchester you say. Wouldn't be a Shell station not far from the main Tescos ? Andy
     
  16. I kept getting strange things turn up at my door that I knew I had not ordered and charges appearing on my card that I knew nothing about, Wive's aye, funny buggers.
     
    • Funny Funny x 1
  17. Yet another miss leading thread title.
    I was hoping the subject matter would be relatively low cost cloning, cheap enough that your average credit card could pay for it.
    I'll be needing a new liver, heart, lungs and a spine shortly. Wrists , knees, hips shortly after....
    Can you clone hair... as I could do with a patch for the back.
     
  18. Are you my twin brother as well as bradders ? :neutral:
     
  19. Who?
     
  20. Must admit that the banks seem to be really good at refunding the money when the cards are used fraudulently. We're off to Oz early next year and the Mrs noticed a payment to Vodafone in Sydney yesterday which wasn't ours. Looks like her card details have been used by someone that's managed to get them from a tour operator we've booked an excursion with. Not necessarily their doing right enough.
     
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