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How do these guys do it???

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I tried to use my credit card last night to buy petrol, and was told I needed additional authorisation. Decided to just use my debit card insted. Anyway, I phoned up the card provider earlier to a…
civms47 Avatar
7y, 6m agoPosted 7 years, 6 months ago
I tried to use my credit card last night to buy petrol, and was told I needed additional authorisation. Decided to just use my debit card insted.

Anyway, I phoned up the card provider earlier to ask why, and they told me someone tried to use my card details on Saturday to book Ryanair flights and a hire car costing over £700!! Luckily it was flagged up as a "suspicious" transaction so a hold was put on it.

What I want to know is, how did these guys get my details??? If buying stuff in the shops, I only use it in well-known places, i.e. high street retailers. On-line I use it for sites like play.com, amazon etc., but I only do so from my home or work computer, both of which are protected to the hilt with anti-virus/spyware/adware/firewall software etc.

I need to wait about a week now to get my new card, grrrrr. These people make me mad!!!
civms47 Avatar
7y, 6m agoPosted 7 years, 6 months ago
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#1
my mate had this but they managed to take the money which was only £80 but its all she had and then had to wait 5 days to get it back off the bank. she had on used that card in the petrol station.youve got to watch it she thinks that they had scanned her card and when looked at by the bank it had been used to pay an accountant.
#2
What I find weird about your problem is, surely buying flights and hire car is just going to lead the authorities straight to the fraudster!! They'd have to show a genuine passport of themselves to use the Ryanair tickets and show a driving license and usually bills from your home address to drive the car away!!

Weird!
#3
stefor
What I find weird about your problem is, surely buying flights and hire car is just going to lead the authorities straight to the fraudster!! They'd have to show a genuine passport of themselves to use the Ryanair tickets and show a driving license and usually bills from your home address to drive the car away!!

Weird!


The wrong sort of people always know the right sort of people for fake docs. :x
banned#4
Its been do for your good.
And you answered you own question in a way

I use card on line

Thats where its come from

Check your computor
Only open reliable mail...........................latest con to get access to your info is..................... the number of undeliverd email messages you may or are receivin etc.
You could be giving away info without knowing.
It could have come from the sites you are using as well.
#5
stefor
What I find weird about your problem is, surely buying flights and hire car is just going to lead the authorities straight to the fraudster!! They'd have to show a genuine passport of themselves to use the Ryanair tickets and show a driving license and usually bills from your home address to drive the car away!!

Weird!


+1-what kind of fraudster would buy ryanair flights!! the police would be waiting for them at the airport! amateurs methinks!
#6
stefor
What I find weird about your problem is, surely buying flights and hire car is just going to lead the authorities straight to the fraudster!! They'd have to show a genuine passport of themselves to use the Ryanair tickets and show a driving license and usually bills from your home address to drive the car away!!

Weird!


I know, I thought that as well. I asked where the flights were booked from/to, and also where the hire car was to be picked up, but the woman at the bank didn't have that information. I'm just glad the bank picked it up. It's actually the 2nd time they put a hold on my account (the first being a transaction I'd made in America), it's good to know they do pick up on these things.

But like I said, I just don't know how the fraudsters get the information!!!
#7
barky
+1-what kind of fraudster would buy ryanair flights!! the police would be waiting for them at the airport! amateurs methinks!


You'd think, but I doubt they have the manpower for it.
banned#8
stefor
What I find weird about your problem is, surely buying flights and hire car is just going to lead the authorities straight to the fraudster!! They'd have to show a genuine passport of themselves to use the Ryanair tickets and show a driving license and usually bills from your home address to drive the car away!!

Weird!


No you can buy tickets in somebody elses name ie I could buy a ticket in your name, whats goods that you say. Then you ask for a refund before fraud is found.
Some dont put it back to card used but name goods are in.
They dont do it to get caught.:thumbsup:
#9
RUDOLF
Its been do for your good.
And you answered you own question in a way

I use card on line

Thats where its come from

Check your computor
Only open reliable mail...........................latest con to get access to your info is..................... the number of undeliverd email messages you may or are receivin etc.
You could be giving away info without knowing.
It could have come from the sites you are using as well.


Like I said, both computers I use are protected to the hilt. That said, I'm not naive enough to think that means I'm completely covered, I'm very careful about what sites I use, what mail I open etc....
#10
vinylandtrinkets
the police dont want to know unless the credit card company ask them to investigate which from what a police man told me is they never ask unless its for millions of pounds.
have you used your card on shopto? seems after loads of used the site they lost over 20,000 customer details and loads of us on here had fraud on our debit cards, i lost over £800 in the end and had to wait months to get it all back, this was with Abbey who were totally useless
hope you get it sorted


Thanks. I did use shopto once, back in December, but that was on my debit card and I've never had any problems there...
#11
Never pay for petrol with a debit/credit card
banned#12
barky
+1-what kind of fraudster would buy ryanair flights!! the police would be waiting for them at the airport! amateurs methinks!

Lack of wordly knowledge:oops: Its easy.
I work all day with a credit card machine fraud is easy and some is untracable.... well would takes ages to find out.
1 example
I could use your credit card for a sale and refund it to somebody else.
My name is not on the transaction, I work with others was it them:thumbsup:
banned 1 Like #13
SunTzu
Never pay for petrol with a debit/credit card



Why

I will mug you coz you carry a lot of cash about ...................................... Catch 22
1 Like #14
I would look back on your statement and see if you have had any phone prepay cards bought (not by you) in the last few weeks.

I had two o2 cards purchased just before someone tried to buy something for £200 from Comet. Someone told me this (phone cards) is one of the ways they check the details work. Although the bank spotted the £200 I had to tell them about the £30 from o2 to get that back.
#15
Ungreat
I would look back on your statement and see if you have had any phone prepay cards bought (not by you) in the last few weeks.

I had two o2 cards purchased just before someone tried to buy something for £200 from Comet. Someone told me this (phone cards) is one of the ways they check the details work. Although the bank spotted the £200 I had to tell them about the £30 from o2 to get that back.


First thing I did was go through my statements, there are no transactions there that I wasn't responsible for. Good spot about the phone cards tho, I'll look out for that in future...
banned#16
civms47
Like I said, both computers I use are protected to the hilt. That said, I'm not naive enough to think that means I'm completely covered, I'm very careful about what sites I use, what mail I open etc....


Nope not saying you naive, but we all have done something in error or as in my case, wife has done. but shes now careful.
Amazon do have a lot of problems with card security.
Thats why recently you were made to do a varification.................... not by email.
They stopped you buying and you had to re do info:thumbsup:
#17
You dont have to do anything wrong to get your credit card details stolen ,Many times the detalis are stolen and sold by people working in legitimate banking and call centres in other countries.These are then sold on to the highest bidder and quite often they end up back in the UK as there is less suspicion using a card in its native country,
banned#18
tonyg1962
You dont have to do anything wrong to get your credit card details stolen ,Many times the detalis are stolen and sold by people working in legitimate banking and call centres in other countries.These are then sold on to the highest bidder and quite often they end up back in the UK as there is less suspicion using a card in its native country,



:thumbsup::thumbsup::santa:
+1
I tried to point that out buy it was missed or ignored.
#19
I Never use my card in petrol stations now! My mum had her card cloned from my Local petrol station last year, they spent hundreds in Singapore or somewhere and know of a few people it happened to all at local garage
banned#20
civms47;6038508
Thanks. I did use shopto once, back in December, but that was on my debit card and I've never had any problems there...

you were lucky then :thumbsup:
banned#21
Five Steps to Credit Card Safety
Make Credit Card Safety a Priority
If you’re a credit card holder, and chances are you have at least one credit card if not more, credit card safety should be one of your primary concerns. Not taking proper credit card safety measures can lead to serious consequences such as being victimized by credit card fraud and identity theft. To ensure your credit card safety, you’re going to want to follow the five safety steps we’ve detailed for you.


Credit Card Safety Step 1 -- Keep a Secret
It may sound like overkill, but you need to treat your credit card number as if it were a precious secret. Only tell it to those who really need to know and don’t say it or lay it where others can find it out. Before entering your credit card number into any website or giving it to anyone over the phone, make sure you know exactly who you’re dealing with and that their reasons for needing your credit card number are legitimate.

Credit Card Safety Step 2 -- Lock it Up
There is absolutely no reason to carry every single credit card you own around with you. Not only can that lead to frivolous spending, it can lead to serious credit card safety mishaps. Only carry the credit cards that you absolutely need and keep your other credit cards locked up in a personal safe.

Credit Card Safety Step 3 -- Read Every Line
Each month when your credit card statement comes in, don’t automatically assume everything on it is accurate. Read every line item on your credit card statement and make sure each and every charge is legitimate. If there’s a charge you don’t recognize, don’t assume it’s just something you forgot about. Get down to the bottom of the charge and make sure it’s not fraudulent. A $10 charge may not see like a lot, but if it’s being charged fraudulently each and every month, it will sure add up over time.

Credit Card Safety Step 4 -- Be Careful with Your Mail
If you have a street-side mailbox, don’t leave your credit card payments in there for the postal carrier to pick up and make sure you pick up your mail each and every day. If you’re not careful with your mail, thieves may dig through it to get your credit card information.

Credit Card Safety Step 5 -- Get Credit Monitoring Service
With the above four steps, you’ll be able to ensure no one uses the credit cards you have for fraudulent purposes. But what if someone opens up a credit card in your name and you don’t even know it exists? If you want to make sure no one is using your good credit to run up a huge bill, you’re going to want to sign up for credit monitoring service so you can check your credit report frequently and be notified if anyone opens up an unauthorized account.

By following the above five steps, you can rest assured that you’ll be well on your way to credit card safety.
banned#22
RUDOLF;6038957
Five Steps to Credit Card Safety
Make Credit Card Safety a Priority
If you’re a credit card holder, and chances are you have at least one credit card if not more, credit card safety should be one of your primary concerns. Not taking proper credit card safety measures can lead to serious consequences such as being victimized by credit card fraud and identity theft. To ensure your credit card safety, you’re going to want to follow the five safety steps we’ve detailed for you.


Credit Card Safety Step 1 -- Keep a Secret
It may sound like overkill, but you need to treat your credit card number as if it were a precious secret. Only tell it to those who really need to know and don’t say it or lay it where others can find it out. Before entering your credit card number into any website or giving it to anyone over the phone, make sure you know exactly who you’re dealing with and that their reasons for needing your credit card number are legitimate.

Credit Card Safety Step 2 -- Lock it Up
There is absolutely no reason to carry every single credit card you own around with you. Not only can that lead to frivolous spending, it can lead to serious credit card safety mishaps. Only carry the credit cards that you absolutely need and keep your other credit cards locked up in a personal safe.

Credit Card Safety Step 3 -- Read Every Line
Each month when your credit card statement comes in, don’t automatically assume everything on it is accurate. Read every line item on your credit card statement and make sure each and every charge is legitimate. If there’s a charge you don’t recognize, don’t assume it’s just something you forgot about. Get down to the bottom of the charge and make sure it’s not fraudulent. A $10 charge may not see like a lot, but if it’s being charged fraudulently each and every month, it will sure add up over time.

Credit Card Safety Step 4 -- Be Careful with Your Mail
If you have a street-side mailbox, don’t leave your credit card payments in there for the postal carrier to pick up and make sure you pick up your mail each and every day. If you’re not careful with your mail, thieves may dig through it to get your credit card information.

Credit Card Safety Step 5 -- Get Credit Monitoring Service
With the above four steps, you’ll be able to ensure no one uses the credit cards you have for fraudulent purposes. But what if someone opens up a credit card in your name and you don’t even know it exists? If you want to make sure no one is using your good credit to run up a huge bill, you’re going to want to sign up for credit monitoring service so you can check your credit report frequently and be notified if anyone opens up an unauthorized account.

By following the above five steps, you can rest assured that you’ll be well on your way to credit card safety.

thats missing the most important point

Step 6

NEVER hand your card over in a restaurant / petrol station etc and let your card out of clear site. This is the no 1 way that cards get cloned.
#23
I use my Shell Citibank credit card at my nearest Shell garage. I get 3% cashback with it and haven't had any problems :-D
banned#24
flyingflea;6039044
I use my Shell Citibank credit card at my nearest Shell garage. I get 3% cashback with it and haven't had any problems :-D

yet........................:-D
#25
vinylandtrinkets
keep an eye on your statements, [COLOR="Red"]mobile phone topups seems to be the easy one they use cards for[/COLOR].
as it was a large amount of money you could report it to the police and see what they say, mine was in small amounts over 3 months all on different debit card numbers but abbey reacon it was the one card, i had 6 new cards in 3 months.
so every month i go through all my statements and check every thing.

after the last fraud on my card i threatened abbey with the police and so far ive had no more fraud on my account, now that makes me wonder


+1

When my credit card (which I'd only ever used once) was done a few months ago, the four dodgy transactions on it were two lots of Ryanair flights and two purchases from an Italian mobile phone company.
#26
csiman
you were lucky then :thumbsup:


I've had my card details saved on shopto since october 2007 and they have never been used.
#27
SunTzu;6038509
Never pay for petrol with a debit/credit card




UNless its somebody elses:whistling:
banned#28
rwm24;6039164
I've had my card details saved on shopto since october 2007 and they have never been used.

google will tell you loads of others have been scammed by shopto getting hacked last december (including my GF twice - 2 x O2 £20 debits).

maybe the scammers havent got around to your card yet :-D
#29
csiman
yet........................:-D


Would be hardly likely, I put the card in the fixed card machine myself. Anyway, doesn't matter if I did get defrauded, I'm protected so will never be left out of pocket.
#30
SunTzu
Never pay for petrol with a debit/credit card


Never pay with a debit card. Credit card should be safe - even if your details are cloned (unlikely) you should get your money back if it's a credit card.

There's been several stories in the press over recent years of petrol stations cloning cards. In reality there have only been a relatively few well recorded instances - but those have been quoted many times making the public think that there is more of this going on than there actually is - and in most places the security has been tightened since the big cases from a few years ago.

Restaurants are far more likely to be problematic - especially if you card gets taken away - but most now have those wireless machines which come to your table.

Yes, you do need to keep an eye on your credit card, but switching back to cash is daft because the more people who carry large amounts of cash, the more likely you are going to get mugged for it.
#31
if you used your credit card at a restaurant they could have swiped it to get the details and written down the csv. with all online purchases make sure the site has https and you havent clicked through the message which says something along the lines of "some parts of this website are insecure". It is easy to use iframes to within a secure looking site pointing to an insecure webpage. even https isn't a measure of security of a website. all it means is that your private data is travelling over the internet in an encrypted format. it doesnt gaurantee that the server you are sending that data to is actually is reputable. anyone can get a certificate (free, paid, or even generate one themselves) setup a fake website. 99% of users do not understand the warning that is presented when it talks about certificates and just click past it beleiving "oh its encrypted jolly good"

never ever click through links from emails to the sites you want to visit, but this is hard to do in practice. the email can be spoofed and the link disguised. for example have a good look at the following link and try and spot what is happening. it is most important to do this when visiting paypal or your bank. or even a store where you might see an awesome deal then decide to login and buy it.

http:[email protected]/7512440.htm?search=bizzare<-- in some web browsers this is a real url, but in fact it takes you to a fake joke webpage. other browsers say it can't find the server, others will pop up a message saying "are you sure you want to login?"
(the link wont work, it points to a made up ip - it is an just an example)

whats really happening is 3 things:
1) you are really going to a server whose ip has been hex encoded
2) the format of the url makes it look like news.bbc.co.uk but it is actually a username
3) a copy of a bbc news webpage was downloaded and edited to take the **** out of a mate

it is vital that you upgrade your webbrowser _all_ the time to prevent exploits like this happening. this hack/exploit/trick has actually been around since at least early 2005.

it is apparantly also important to open a new browser window when visiting paypal, banks etc because there are ways for one website in one tab to somehow do trickery in another tab that might have your paypal account open.

another important thing is to have images in email not displayed when you read the email unless you trust it.

for example, I send you a spoofed email from some reputable company, so you open it and it automatically downloads and shows the images in the html page. now, when i created that spoof email, i can track who (which email address I spammed) downloads what image. so i can tell that [email protected]">[email protected] downloaded a particular image: say http://hacker.com/some-image-that-identifies-mary.jpg. combine that with a trivial css tracking hack (yes people can track you via css!): css allows a webpage to show imageA if you have been to http://securelogin.bank.com and imageB if you haven't - combine that with the customised image, i will be able to tell what websites you have been to, for example which bank you use. I can then send a second email to you with a fake link (like my news.bbc.co.uk link above) that looks genuine from you bank - and voila - i have your internet banking details.

these are just examples of a couple trivial methods that have been round for years

does it make you scared? :)

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