Fraud - be safe

Warren-Pat_01 · Guru

Fraud - be safe!

Dickodownunder · Guru

With due respect Warren, I had a look at the link to the site you provided and could not see anything relating to protecting us from card fraud.
However during the same viewing there were links to adverts suggesting that David Koch along with the credible Dr Phil recommended a male performance enhancing drug which when placing the order is asking for credit card details.
I wont be saving the link anywhere in the near future.

I use those credit card wallets that provide protection from card skimming from pocket, wallet or purse and I always cover my transaction when entering a transaction in a public place or shop.

If I have missed something with that link you put up can you please enlighten me.

Warren-Pat_01 · Guru

I'm sorry Geoff but I didn't see any popups when I looked at the site.

Normally I don't trust .com sites - this one showed what to look for when using ATMs, etc for skimmers.

I'll get Cindy to pull it off the forum & just leave the warning there that this incidents can catch us all out at some stage. I too have a wallet protector but that didn't save me as the skimmer was in the ATM. The incident was reported in yesterday's newspaper at Warrnambool - so the bank didn't muck around.

Warren-Pat_01 · Guru

Fraud - be safe

Dickodownunder · Guru

Fraud - be safe!

PeterX · Senior Member

Fraud - be safe

PeterX · Senior Member

Fraud - be safe!

Radar · Guru

RE: Fraud - be safe

PeterD · Guru

When members achieve a double post and ask Cindy to delete one, why to other members insist in posting their replies in the thread the OP asked to be deleted? Please post your replies in the other thread.

Radar · Guru

PeterD wrote:
When members achieve a double post and ask Cindy to delete one, why to other members insist in posting their replies in the thread the OP asked to be deleted? Please post your replies in the other thread.

Because I was not smat enough to know which was the dead site.

So if your clever enough move my comment to the site which current to the subject.

Thank you.

Warren-Pat_01 · Guru

Hi Peter,
Cindy has merged the posts into one now to remove the confusion. I shouldn't have posted the whole of the first post in the second - was just expecting either the website (which I found useful) to be removed or the whole post so I could rewrite it without the website. Sorry.

Just another point on losing money overseas & Radar has already broached the subject - if any of you travel to England, be EXTRA CAREFULL where you keep your wallet/purse. I kept most of my money in a pouch concealed in my trousers (around my waist) but due to having to use the Oyster card at railway stations, buses, I kept a small amount + some cards in my wallet. At one railway station, I "thought" I put my wallet back in my hip pocket but on trying to get through another gate, I found I didn't have it. Cutting a long story short, two people went for my wallet when it dropped - a thief & a security guard! The SG jammed his foot on the hand of the thief & yes, I got my wallet & contents back.
My daughter wasn't so lucky - she had her purse under her arm & picked up three drinks from the bar of a pub. In the 1/2 dozen steps between the bar & our tables, she must have dropped it & it was gone! Luckily she had the phone numbers of the banks, etc & cancelled all cards - the hardest one was her Aussie driver's licence - she was living in England at the time.
In Paris, the gypsies work the tourists for their cash with hard luck stories but they aren't as bad as the Pommy lot!

Radar · Guru

Hi Warren, thank you for that in haven the subject in one.

On that one x 3 month tour of Europe we had a couple of very evil Roma police help themselfs to my wallet for 700 after demanding that us seniors show them our passports when I stopped asked for directions, found out I was broke when I went to get a drink at the bar 3 hours later.

Then when we were on a bus tour though Italy 4 passengers got done and ruined there tour, 2nd day of 14 day tour, escorted to the airport as they could not move about with no oassport.

Handbags, money, passports all at a busy railway station boarding a train. Very upseting, 3 out of 4 were reps from a travel agencies in a Canada, not good.

Warren-Pat_01 · Guru

Hi PeterX,

Yes, thanks for the link. My daughter's partner looked it up too. The bank contacted me at 6pm the night before the paper came out.

Hi Radar,

Perhaps that is why when we were on our bus tour in Switzerland & crossed into Northern Italy, our guide asked us not to look at or photograph the Italian Border Police! She made mention that could be quite nasty.

Pat had another frightening experience in Paris. We didn't know that the wide footpath incorporated a bike track & we were overtaken rapidly by a bloke who had a knife on roller blades. She said if she didn't have a tight hold on her hand bag, it would have gone with him!

So Nomads with this post, I urge you to take care with your money both here & overseas. There are lots of dishonest people around eager to take your money one way or the other.

SouthernComfort · Guru

Warren-Pat_01 wrote:
Hi Peter,
Cindy has merged the posts into one now to remove the confusion. I shouldn't have posted the whole of the first post in the second - was just expecting either the website (which I found useful) to be removed or the whole post so I could rewrite it without the website. Sorry.

Just another point on losing money overseas & Radar has already broached the subject - if any of you travel to England, be EXTRA CAREFULL where you keep your wallet/purse. I kept most of my money in a pouch concealed in my trousers (around my waist) but due to having to use the Oyster card at railway stations, buses, I kept a small amount + some cards in my wallet. At one railway station, I "thought" I put my wallet back in my hip pocket but on trying to get through another gate, I found I didn't have it. Cutting a long story short, two people went for my wallet when it dropped - a thief & a security guard! The SG jammed his foot on the hand of the thief & yes, I got my wallet & contents back.
My daughter wasn't so lucky - she had her purse under her arm & picked up three drinks from the bar of a pub. In the 1/2 dozen steps between the bar & our tables, she must have dropped it & it was gone! Luckily she had the phone numbers of the banks, etc & cancelled all cards - the hardest one was her Aussie driver's licence - she was living in England at the time.
In Paris, the gypsies work the tourists for their cash with hard luck stories but they aren't as bad as the Pommy lot!

The "Pommy lot" as you call 'em, are infiltrated by thieves of many origins who move in and around Europe, in fact many are well organised groups moving around globally. The guy who works London today was probably doing Paris yesterday. Euro thievery hotspots that I've been in are Amsterdam, Paris, Budapest & Venice. BUT, the danger with focusing on commonly known hotspots is thinking you're safer elsewhere - need to be just as careful with your valuables in any Aussie city.

palaceboy · Veteran Member

Bottom line with card fraud is eventually it's the Bank that carries the loss, not you. In other words, it's not your cash that is lost. Inconvenience and Angst yes, a financial loss no. That's the beauty of cards, you can't do that with cash eh ;)

Here's the Canstar card zero liability guarantee.

www.canstar.com.au/credit-cards/credit-cards-what-does-zero-liability-mean/

palaceboy · Veteran Member

Bottom line with Card Scamming is, it's not you that wears the cost it's the bank. Inconvenience and Angst yes, Cost no. It's not you that gets scammed at the end of the day.

There are banking protocols in place that guarantee this.

It's called Zero Liability Guarantee.

You can't do that with cash.

Have two cards from different providers and you'll be right ;)

-- Edited by palaceboy on Sunday 30th of September 2018 07:25:16 AM

PeterD · Guru

palaceboy wrote:
Bottom line with Card Scamming is, it's not you that wears the cost it's the bank. Inconvenience and Angst yes, Cost no. It's not you that gets scammed at the end of the day.

It does not cost the bank anything. The bank does not make a loss. The cost of running the bank plus the dividend paid to shareholders is the difference between the cost of their operating money (the bank interest they pay to us) and the income on the money they lend (the interest they make on what we borrow.) The more that is paid out to carless card users the less the interest that is paid on our savings in the bank. It is us who pay the scammers.

palaceboy · Veteran Member

PeterD wrote:
palaceboy wrote:
Bottom line with Card Scamming is, it's not you that wears the cost it's the bank. Inconvenience and Angst yes, Cost no. It's not you that gets scammed at the end of the day.
It does not cost the bank anything. The bank does not make a loss. The cost of running the bank plus the dividend paid to shareholders is the difference between the cost of their operating money (the bank interest they pay to us) and the income on the money they lend (the interest they make on what we borrow.) The more that is paid out to carless card users the less the interest that is paid on our savings in the bank. It is us who pay the scammers.

Understood, those costs would be negligible though. Whereas losing your cash v losing money on a card is a major difference. IE: You don't lose any of your account money on a scammed card transaction. If you lose your wallet invariably all of your cash usually goes as well. With your cards, you'll get the money in those accounts credited back. Apparently, Merchants lose 20 times the amount that banks lose on scamming.