[williamoss]

There was a news article that Home depot got hacked and millions of credit card information was stolen from every store in the Home depot chain. So I called master card to inquire about my card. First they gave me the standard line of they watch the card for unusual spending as if any spending is out of state, I live in Oregon, or unusual amounts iot would be flagged. When I asked if they had on record that I go out of my state a lot they could not tell me if permission was in place to allow me to spend or charge on a master card when I was out of Oregon. When I asked for a card with a security chip I was told it was not available. Then the rep said she was transferring me to the security team. After I listened to the recording I got an recording that said" if you were disconnected you can call back". I then was disconnected.



So I called back and asked to speak to the security team. The woman who I spoke to said she worked on the security team sometimes but she felt she could help me. So I explained how the previous rep knew nothing and could not answer any of my questions and was transferring me to the security team when I was disconnected.



Now get this. When I mentioned the previous rep told me that there were no Master Cards with chip technology. the new rep said there was and she is sending me a new card with the chip installed. IN Europe where the chip is standard it has cut down on fraud over 60% over the standard card. Starting 2015 new cards are being shipped out to customers. So my suggestion to all is call now and insist on getting a new type card with the chip.

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[Rap]

Are these only with MasterCard?

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[flash]

yeah - all cards are going to be getting the chip soon. passports will be getting something similar too

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[type968]

Google chip and pin. Been common in Europe and row for about 10+ years now. It has a hard coded pin and the merchant is kinda forced to use that vs the swipe method. Basically if the merchant accepts swipe and it is later found the be fraudulent they are on the hook for the fraud and not the consumer. If the merchant uses the chip with your secret pin, and their is fraud it is assumed you are at fault and you are responsible. Guess which one the merchant wants you to use. Every year I go to Europe it has become harder to find places that will do swipe, so I always have to ask before I get a meal or something. This was for work. For personal I have a chip card. It is the same chip you see I your gsm cell phone.



They can still be hacked but it is much harder. Banks in the USA don't want to replace the 1.9 billion or whatever cards for 3 bux a pop vs a cheap 50 cent plastic swipe card. Don't quote me on the prices.



Here in the states the bank will still foot the bill for fraudulent charges. One of the reasons you see the increase of fraud in the states is it is now easier here than anywhere else in the world to commit credit card fraud because of chip and pin use elsewhere.



Passports have RFID chips now, for the last few years. Whack with a hammer will supposedly disable the chip. They come with a anti static bag if you are worried about someone brushing you and getting the data. Have not heard anything about doing a chip like the phones or other cards.



Irony is I had a chip and pin target card 13 years ago.

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[Bulti]

"Been common in Europe and row for about 10+ years now."



Indeed, I can't even remember a card being swiped in ages. My VISA has a chip, always did. My bank debit card has one too for many years now.



Even our passports (ID card) have one which is used for a variety of things, not just securing the card itself. Getting into the local recycling 'park' for instance or logging into certain websites containing personal info (taxes, healtcare, ...).



How many more years before we get one of those somewhere under our skins? Science-fiction?

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[banditsc]

The new chip cards in the states will not protect you anymore then a normal card because they are also a normal non chip card, they have to be to be compatible with 99% of the readers in the states. The only place in the states I have found that uses the chip and requires it if you have a chip is Walmart. The only reason I actually got a chip card is for travels in Europe. The cards are kind of annoying to use compared to the swipe, it takes a lot longer to process the card. My chip card was recently used for fraudulent purchases, topping up cell phone minutes, about $1100 in tickets at the Staples center. But it was no problem the credit card company contacted me right away when they saw it and canceled the card and sent a new one and I wasnt responsible for any of the charges. Most likely it was grabbed from one of two online retailers I used. All somebody needs is the card numbers to start making purchases online where the chip isn't required. The best you can do is just watch your charges online, but the credit card company will also be looking out for issues.

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[Rap]

Chip the southern border

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[94SilverCab]

I did submit a foreign country form with my credit card companies before my trip this Spring, unfortunately forgot to do my ATM card so had to make a call to the states from Bratislava...oops.



I have never had any trouble using my cards within the United States, despite frequent travel.



YMMV,



Jay

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[flash]

short rant: i am so sick and tired of hearing the argument about locking down the southern border. there is no way to do that, nor should we waste the resources trying. that isn't the solution anyway. the solution is to let them in, and give them a number, and make them pay taxes. the solution is to arrest people who employ illegal aliens, which is why they are coming here to begin with. we need the work force. we need the taxes. we don't need a larger paramilitary force wasting more money on a fight that cannot be won.



back on topic - we have been hacked 3 times in the last 6 months, on the same account. almost as soon as a new card was issued, it was hacked. fortunately the bank caught it before we did, and there was no loss on our end, but it was still a pain.

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[Chris Vais]

+1 on the rant. California agriculture including the wine industry is highly dependent on skilled migrant labor. We have trouble finding pickers this time of year, high demand and not enough resource. Those of you who complain about the migrant work force should come out to California and pick wine grapes for the next couple of months. I often end up helping pick fruit. The people that I work with are by and large migrant workers and they are some of the hardest working, honest people you'll ever want to meet.

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[Rap]

I said chip them not stop them. Geez Flash we agree on something. Hold on while I pick myself up off the floor!! lol

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[flash]

yup - i agree that they can be a burden on our system, but only because we don't get the taxes in return. if we made it easy for them to come and work here, and pay their fair share, then we would all benefit. 100 years ago it was the irish. today it's the mexicans. people seem to forget that this is the melting pot.

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[94SilverCab]

If you chip them will they work faster??? Is Flash developing a chip?



Jay

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[Rap]

I had Nigerians and south americans in the 80's before immigration reform and saw first hand the benefits of this. Plus we need more workers for social security so old people like you and Ds can collect!

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[JTP]

It's only a matter of time before humans get chipped at birth.

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[AJG]

The chip will not prevent certain types of fraud. Don't let anyone take your card away from you to put in the doodaa for transmitting it to the bank or wherever it goes, as the restaurant waiter (for instance) might have a little sideline in cloning cards! Always hold on to it like your life depends on, imagine you're in Lichtenstein! Cheers.



Andy

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[Rap]

Pray tell, when you use your card and it needs to transact, do you follow the waiter to this transaction area? Inquiring minds want to know?

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[Roboman]

The technology has changed since this thread went quiet so I thought I'd see if feelings had changed. We now have wireless card readers, so no need to give your card to the waiter. However, what about "touch and go"? Granted the cap of around €£$30 means you're not going to lose your shirt, but it can still add up rapidly, and then there's the inconvenience if you have to cancel the card. I queried this with my bank who essentially said that "security was of the upmost importance" and then followed it up with fundamentally it was the clients responsibility. How do you know that the person who just walked very close to you is carrying a card reader?

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[Waylander]

As I work in the PCI, (payment Card Industry) I can tell you it is quite possible to walk down the high street with a small tablet tucked in your jacket, a boosted antenna system wrapped round your collar of you coat, and extract $£10 off everyone that comes close enough

 

I went to a seminar in our IT valley 3 years ago, and they showed a video of just that, the man walked the length of Oxford Street and had managed to rack up £6000

 

they refunded it all of course,

 

Buy yourself a security wallet that does not allow RF to penetrate.

 

and you never ever let your cards out of your sight, never hand it over to a waiter, a person behind a high desk, A swipe through a reader takes less then .25 of a second, then they Have your PAN number and lots of other details

 

My Day Job is a PCI Specialist Compliance engineer

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[Roboman]

Yes, good advice. I thought about "protected wallets" a while back, and a friend of mine patented a "Faraday's cage" type suit pocket insert. He took out a patent, but I don't know what came of it. I should search for "protected" wallets. Last month we were in Stockholm for a short break. Amazing; really well oiled society ..... but the first time in my life I've not needed foreign currency. Everything was by card, some shops even displayed signs "no cash accepted" .... scammers paradise!

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