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Old 12-18-2012, 04:59 PM   #1
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Default Credit card theft questions

So my fathers credit card got charged at target. The charges arent something of a price number, its a round number of 150.00 which leads me to believe they punched in the numbers instead of buying something that totaled up to that much. Does target allow to pull money like that? Makes no sense. I would have guessed someone had used a RFID however the target that this got charged off is in the other side of the country so i doubt something like that was used. Anyone have any info on how something like that may have have been done?

RFID is the method of devices used to steal info off a card by walking close by to the person holding the card
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Old 12-18-2012, 05:11 PM   #2
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Many people who use RFID technology are not stupid enough to use the credit card numbers they steal. They often sell them to others. That is probably how it happened.
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Old 12-18-2012, 05:16 PM   #3
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Was it a debit or credit card? Thief probably bought a gift card with it making it a nice even number. You can cancel the credit card but it's harder to reverse a gift card.

His credit card info was probably stolen at a restaurant or somewhere where his card was out of view. If he still has his card then it might've been sold and then someone reprogrammed the magnetic strip on a prepaid card.
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Old 12-18-2012, 05:25 PM   #4
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RFID is that touchless transaction technology. Its wireless and has zero security built into it. I can explain how it works like you were Hustler if you are interested, but I don't feel like typing it out otherwise. By the way, this is the same technology the US Government has seen fit to include in all new US Passports. Great to know that all your personal data is available to anyone who can send out an activation pulse, and then receive the broadcast from the chip. Amirite?!

**** that ****. I holepunched the RFID chip out of my credit card, then called the bank and told them I was cancelling the account unless they sent me a card without RFID. Same thing with my debit card. I will never own anything with an RFID chip in it.

Having said that, chances are it had nothing to do with the RFID. These guys don't need physical access to the card. If they can capture the transaction information en route or from the device, they can clone it. It was probably stolen from somewhere that had poor back-end security. Your dad use a lot of online retailers?

My advice is to call the bank, cancel the card and cancel any associated accounts. Just reissuing the card with a new number is not enough. You need a totally new account with a totally new account number. Ask me how I know.
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Old 12-18-2012, 05:29 PM   #5
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The bank was called, the charges are getting fixed and the card is de-activated. I guess i'm just curious on how this might have happened.

Usually they dont go to restaurants, more so just shopping for food and such stores. He does not shop online however has made transactions once in a while.
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Old 12-18-2012, 05:40 PM   #6
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Yeah, probably back-end transfer of transaction info somewhere, or an unsecured databse of transactions that was recently breached. Above info re:giftcard is probably accurate. No one questions giftcards, they are a great way to launder this kind of transaction.

I had my debit AND credit cards jacked back in April. The ONLY place I have EVER used both cards was at... Disneyland, back in... April. The Mouse's people claim no responsibility and my choice to close my accounts at my bank was a direct result of their treatment of me while trying to "resolve" said incident.

Tis the season people. These guys camp out vulnerable systems all year so they can reap the whirlwind during the holiday season while the credit card companies are absolutely swamped with transactions.
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Old 12-18-2012, 06:00 PM   #7
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I get fraudulent charges on my card like once a year.

the last was only a few months ago, and done in the UK. Using an account/card I never use online for purchases.


One time someone used my card at toysrus.com, they called me to confirm why i was buying so much crap and sending to a different address than billing. so they stopped it before my CC company could do anything. They wanted to press charges but my CC company would not work with them and give them the information they needed to proceed with trying to get the information they needed.
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Old 12-18-2012, 06:22 PM   #8
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Quote:
Originally Posted by triple88a View Post
So my fathers credit card got charged at target. The charges arent something of a price number, its a round number of 150.00 which leads me to believe they punched in the numbers instead of buying something that totaled up to that much. Does target allow to pull money like that? Makes no sense. I would have guessed someone had used a RFID however the target that this got charged off is in the other side of the country so i doubt something like that was used. Anyone have any info on how something like that may have have been done?

RFID is the method of devices used to steal info off a card by walking close by to the person holding the card
gift card for one fiddy?

also:

BAAAAAAAAAAAAAAAAAALLER like y8s:

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Old 12-18-2012, 06:52 PM   #9
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The problem is the users get hacked, not the RFID. Some large store computer gets hacked, and they steal the numbers in hugh quantities, and sell the lists.

I had a card number stolen just last year. Discover caught it, and by providing info from places that contacted me (bogus sales), I helped catch that particular scammer. New card, new number, no more problem.

Yes, it's a hassle. Price we pay for worldwide CC use.
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Old 12-21-2012, 06:26 PM   #10
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Quote:
Originally Posted by y8s View Post
gift card for one fiddy?

also:

BAAAAAAAAAAAAAAAAAALLER like y8s:

???? What is this? Metal wallet? Shielded wallet?
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Old 12-21-2012, 06:32 PM   #11
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Shielded Wallet. I find it useless since i already wear my foil hat.
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Old 12-21-2012, 07:32 PM   #12
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Over the summer, the local "bike night" hangout was hacked, I know of 5 people, including myself, who had fraudulent charges over the deal. Everything was eventually resolved, and my bank pre-emptively refunded me the money *before* they opened up the investigation. Apparently there were a significant number of businesses in the area whose security had been breached. I don't personally fault the restaurant, but they only saw cash from me for the remainder of the summer.
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Old 12-21-2012, 10:25 PM   #13
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stainless steel wallet. I have one because it's ******* THIN.

My first one was all stainless but had a design flaw. It was like 3/8" thick completely full.

the new one is leather outside and is about 7/16" thick. I can't complain. They replaced the first one for freez.

it's a stewart/stand.

Stainless Steel Wallets & Accessories | Welcome

And not relevant to this thread but \/\/hatever
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Old 12-21-2012, 11:22 PM   #14
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I also have a Stewart and Stand. I didn't buy it for the faraday cage effect, but simply because it is nice looking, and we all now how well braided stainless holds up. I don't carry anything in my wallet except cards and receipts, I keep cash in my front pockets. I wanted something small, light, and that doesn't look like my dad would use. Highly recommend them.

This is the one I have: It's called a "driving wallet", how could you go wrong?

Stainless Steel Wallets & Accessories | Driving Wallet w. ID Silver (bc.1l.stf)

I'm not sure there is really a good way to prevent ID/credit theft. If you use plastic it can get hacked, and it does suck.
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Old 07-23-2013, 06:23 PM   #15
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My card just got a fraudulent charge of $700+ through verizon. What info do the RFID chips contain? Am I going to have to carry a metal wallet and a tinfoil hat now?
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Old 07-23-2013, 06:42 PM   #16
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My card was fraudulently used last month while it was safely in my wallet and it doesn't have an RFID chip. It is extremely likely that RFID was not the cause.
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Old 07-23-2013, 06:50 PM   #17
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Good news: Your credit card will almost surely reimburse you.

Bad news: You need to spend hours contacting all of the credit rating agencies and your other credit cards to make sure they are alerted to the potential identity theft.
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Old 07-23-2013, 08:16 PM   #18
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Gift cards.
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Old 07-23-2013, 09:34 PM   #19
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Yeah when this happened to my father he called the company, chase to be exact, they shreded the card info and gave him a new one with a new number as well as reverse the charges. All good.
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Old 07-24-2013, 12:00 AM   #20
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Yeah they are giving me a new card. I doubt it's identity theft as no new accounts were opened. I was doing some reading and youtubing about people punching the rfid chips out, and I don't see one on either of my chase cards. Altough one of them is metal.

On the phone they told me, it most likely got skimmed somewhere or someone wrote down the info on the card, possibly a restaurant. I asked them how they gotten my address and they said it's public info so they probably looked it up.
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