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General => General Discussion => Topic started by: chester ver2.0 on October 01, 2013, 10:24:54 AM
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This one is for all the computer guys out there my credit card has now had to be cancelled twice in 3 months due to fraud. I am trying to eliminate the problem being from my end
I run Trend Micro titanium and a full scan turns up no issues
I also ran microsoft security centre full scan also with clean results
Is there anything extra a computer store or i can do to be sure my computer is clean ??????
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Is there anything extra a computer store or i can do to be sure my computer is clean ??? ???
Not really. Run Spybot, Malwarebytes, good AV - but the computer store can do no more for you but charge you a lot.
Are you sure its from your computer?
Personally I'd format it and reimage it.
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As Lost said, are you sure it is from your computer?
Have you started using a new teller machine somewhere, or gone to a new store? I had an issue once where the terminal "wasn't working" so they processes on a slip. May have been coincidence but about a week later 5 PDA's were put on my card. Thank goodness the bank recognised it as an unusual transaction and called me for authorisation.
Bunyip
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More likely a skimmer from a servo, café, taxi but wouldn't hurt to format and rebuild your pc.
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As Lost said, are you sure it is from your computer?
Have you started using a new teller machine somewhere, or gone to a new store? I had an issue once where the terminal "wasn't working" so they processes on a slip. May have been coincidence but about a week later 5 PDA's were put on my card. Thank goodness the bank recognised it as an unusual transaction and called me for authorisation.
Bunyip
Hi no i am not sure it is my computer i am just trying to eliminiate all possibilities. It only has happened in both times after online shopping has been completed so not sure if one of the stores has been compromised even though i only online shop at reputable places
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Have you brought anything online from overseas.
I had a call from the bank advising me that an attempt had been made to credit my account with a few $$ at 2;30 am our time from an American source (probably Russia via tiawan via america). This is how they gain a gateway. Once a credit is processed, they know the numbers they are using are correct, and skim out your balance. Luckily the credit card systems have people and processes on deck 24/7 checking for these transactions and voiding them. Has to get new cards as a result tho, which was a pain.
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Hi chester ver2.0
you will find it is more then likely a "online shop" that you purchased something from. They've been hacked and the information taken and sold on the market.. I can buy working cards for about $10 each! Sometimes as low as $7
When companies reissue cards sometimes that are issued with a same card number, just different expiry and CVV. Request an entire new card!
Also next suggestion get a VISA Debit card for online purchases. Place enough in it to do the transactions and thats it. That way if the card is stolen or misused it doesn't matter, plus you can simply just replace it. Use your primary card just for your core items..
You may have a trojan on your machine that screen scraps or logs card numbers, but if you have a reasonable AV the likely hood of that is limited.
Cheers
JD
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When companies reissue cards sometimes that are issued with a same card number, just different expiry and CVV. Request an entire new card!
I have noticed this too - but the same CVV # on it.
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I got myself one of these just for online purchase's, good for up to $999.00 no ongoing fees
and lasts for 2 years.
http://auspost.com.au/finance-insurance/load-and-go-reloadable-visa-prepaid-card.html
I only keep $20.00 more than I need on it, also handy for buying new apps too.
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Some online stores are also not up to standard and could have spyware on their website, a few of the hosts in the US have bad spyware on their servers and its not uncommon to see people getting charges for payments they never made.
The trick is to use only sites with a high SSL security, look for the Green padlock in your address bar on anything you use a credit card on.
Some tips for online shopping:
1. Dont use public computers (ones at work are considered public)
2. Dont use public internet like the ones at a library, they have software in place to monitor everything you do therefore just a keylogger saving all your information.
3. Only shop from people offering services with a secure website, these can be seen from the Green padlock (some sites dont offer any security but offer all payments through paypal which is secure)
4. Use paypal for all online transactions (maybe the best option so that you never have to input details to a shop)
5. Use common sense, if the product looks too good to be true then yes it probably is.
6. Dont let the wife use your card online (learnt from that mistake, she now gets $100 on paypal a month to spend)
Just a few things to watch, there is not much you can do once your details are out there, filling out surveys with all your details can also cause headaches down the track with identity theft too.
What do you do if you feel a company may have your credit card details?
Report them to ASIC http://www.asic.gov.au/ and remove your details from their website as soon as possible.
Hope that helps, if you want some help feel free to pm me.
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Have you brought anything online from overseas.
I had a call from the bank advising me that an attempt had been made to credit my account with a few $$ at 2;30 am our time from an American source (probably Russia via tiawan via america). This is how they gain a gateway. Once a credit is processed, they know the numbers they are using are correct, and skim out your balance. Luckily the credit card systems have people and processes on deck 24/7 checking for these transactions and voiding them. Has to get new cards as a result tho, which was a pain.
that has happened to me - although I didn't buy on-line from overseas.. I was overseas
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Have you brought anything online from overseas.
I had a call from the bank advising me that an attempt had been made to credit my account with a few $$ at 2;30 am our time from an American source (probably Russia via tiawan via america). This is how they gain a gateway. Once a credit is processed, they know the numbers they are using are correct, and skim out your balance. Luckily the credit card systems have people and processes on deck 24/7 checking for these transactions and voiding them. Has to get new cards as a result tho, which was a pain.
Yeah i bought some stuff from wiggle the cycle shop UK based then the next day there was some purchase from a UK outdoor toy company
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If they already have your credit card number, fixing your computer won't change things! Just get your credit card completely renumbered..... and then fix the computer.
If your issuer won't renumber it completely (as firefox explains), then cancel the card and get a new card. But know this may result in a new 'credit application' however that is still better than getting your card cancelled over and over again. Alternatively, cancel the credit card and migrate to a debit card linked to a standalone statement account with limited funds.
A couple of ways they have gotten your number:
- a website where you stored your number has been hacked and the number retrieved (though for PCI compliance sites have to encrypt the number and/or store it in separate halves)
- you left a copy of your credit card bill on your computer, or a text file / word document with the number written down and your PC was hacked
- you have key-stroke logger on your computer and they have your full online banking details
- you willingly gave your credit card details to a hacker unknowingly in phishing scam
- someone who at some point has had your credit card details (like a tradesman or mechanic or furniture store) has still accidentally kept a copy and then lost that copy and/or been hacked
- your letterbox was accessed and they got a copy of your physical statement
- someone has impersonated you with the bank or some other institution where you card number is kept (like paypal, itunes etc)
- your card was skimmed at a dodgy ATM or servo
- you have actually lost your card and its been found by someone
- your card was copied (photocopied or the details written down) when you paid at restaurant and your card left your sight
- you have left a computer logged in somewhere with enough info to get to your bank details
- you left an imprint of your credit card with a hotel (for mini bar expenses) or caravan park and that imprint has been found in a dumpster instead of being shredded
- someone has overheard you on the phone say your credit card number and other details
I remember you posting about being on another site and being hacked. I'd suggest you need to cancel this card and do a big ol' fix the computer, change every password. Good luck.
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Or you can do what my wife does... Continually max the card out so fraudsters can't use it anyway!
Swannie
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We've just had our credit cards cancelled.
Luckily our bank twigged to someone testing the waters with our cards by charging a tiny $1+ amount from somewhere we'd never heard of, and the bank cancelled the credit cards before any damage was done.
They'll be getting a big hug and a nice bottle of wine for Christmas this year :cup:
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We've just had our credit cards cancelled.
Luckily our bank twigged to someone testing the waters with our cards by charging a tiny $1+ amount from somewhere we'd never heard of, and the bank cancelled the credit cards before any damage was done.
They'll be getting a big hug and a nice bottle of wine for Christmas this year :cup:
Yep that is what happened to mine apparently they probe the card with some small purchases then go to town
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Or you can do what my wife does... Continually max the card out so fraudsters can't use it anyway!
Swannie
Cant you just imagine the little nigerian going off his nuts.........
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Keep away from the porn sites...........
I'll go back to my corner.
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Keep away from the porn sites...........
I'll go back to my corner.
what, you wouldn't trust these guys?
(http://img.tapatalk.com/d/14/05/06/zy9e8umu.jpg)
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I'm not a techological as i used to be, but perhaps have a look into the heartbleed bug and see if the reported problems match with what's happening to you.
http://en.wikipedia.org/wiki/Heartbleed (http://en.wikipedia.org/wiki/Heartbleed)
Mike
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what, you wouldn't trust these guys?
(http://img.tapatalk.com/d/14/05/06/zy9e8umu.jpg)
I don't trust the son, there is something about him!
Sent from my Ring-a-ding-a-ling
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I just use PayPal although I have a low limit credit card for online purchases for the very few times I can't use pay pal....
Sent from my Nexus 7 using Tapatalk
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X2 for the Auspost visa. You can walk into any post office and just put the purchase cost and maybe a couple of extra dollars on it. If it gets hacked they don't have access to any of your bank accounts. My brother got a phone call from his bank asking him if he was in Germany , because someone was trying to use his card. My sister in law used to work in banks so she checked the statement. There was a credit of 1 cent from a small business in Dalesford Vic. The owner set up cameras and caught one of his employees just punching random numbers into the computer. If the 1 cent credit goes through they know it is an active card. It is as easy as that. ???
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Depending on the browser you use, make sure it has not been completed in the auto fill details. Not all developers ensure that it does not write to the fields and make sure you don't save them if asked.
It's a good idea to go through your statements on a regular basis and check the transactions.
About 60 letter boxes were accessed in the short stay apartments where we live, it doesn't take much to get your statements from the mailbox, we now only access them through the bank website.
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Or you can do what my wife does... Continually max the card out so fraudsters can't use it anyway!
Swannie
Thats what we do, works for us ;D ;D ;D
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This one is for all the computer guys out there my credit card has now had to be cancelled twice in 3 months due to fraud. I am trying to eliminate the problem being from my end
If you've been done twice in three months there is a common denominator that is being missed. If I'm not mistaken the new card would have a different/new number, expiry date and CVV number which should cover you against a second fraud.
My best guesses are there is some nasty software on your PC, or you have a bad password on some of your accounts which can be easily compromised or a one of the stores you purchase from has been compromised.
My money is on your PC or passwords being the issue. First thing I'd do is backup the data on your PC and then have it completely rebuilt and then fully patched by a trustworthy person. If it is an older PC (hopefully not XP) I'd be inclined to replace it as it will probably be a better investment overall. While Macs are far from perfect from a security point of view, overall the level of risk you are exposed to is typically/significantly less than a Windows PC. This is particularly true if you have no control over who is using your machine, for example kids, you never really know what they download.
I run Trend Micro titanium and a full scan turns up no issues
Trend products while they are improving typically don't score well in finding viruses depending on the review/test you read.
I also ran microsoft security centre full scan also with clean results
This product is in a similar boat. Just because these two products don't detect something does not mean you are safe.
Webroot is the AV product that prefer, I'd suggest you download this as a trial and see if it finds something for you:
http://www.webroot.com/au/en/home/products/trials (http://www.webroot.com/au/en/home/products/trials)
Is there anything extra a computer store or i can do to be sure my computer is clean ??????
They could do an offline scan where they boot from some known good media running good AV software. IMHO though a rebuild is the best/only way to start, however nasty software can reside in the PC BIOS which can be impossible to detect and remove at this time.
I'd also suggest you change all of your passwords on all of the sites you use with your CC, make sure you don't reuse the same password across multiple sites.
I assembled recently some links to government websites that provide some good advice on how to stay safe online if you are interested:
http://www.ethisec.com.au/resources/scams-online-snail-mail-e-mail-or-telephone/ (http://www.ethisec.com.au/resources/scams-online-snail-mail-e-mail-or-telephone/)
HTH,
Jason
BTW, this top 25 worst passwords of 2013 are not good passwords, I hope none of them are yours?
123456
password
12345678
qwerty
abc123
123456789
111111
1234567
iloveyou
adobe123
123123
admin
1234567890
letmein
photoshop
1234
monkey
shadow
sunshine
12345
password1
princess
azerty
trustno1
000000