Help Capitec account got scammed - R3500 gone :(

[Beachless]

We really should damage the mag strip on the new cards and stick tape over the cvv and remember it. Just have a backup like cash or a debit card for the times they dont have a chip and pin machine. Its just hard if you need to use the CC abroad.

 

[Electric]

If my card is used to purchase anything from international sites, Standard bank call me to check if the purchases are in fact mine.

Does Capitec not have a system like this?

Edit: I see YingYang already said this.

 

[Shi]

Why is it suspect? He might be buying online. There's no way for a bank to tell. Tens of thousands do it every hour.

Would be suspect if the card was swiped on both occasions.

 

[Scooby_Doo]

Edit,

Wrong thread

 

[Electric]

Edit,

Wrong thread

So delete the post.

 

[mister]

We really should damage the mag strip on the new cards and stick tape over the cvv and remember it. Just have a backup like cash or a debit card for the times they dont have a chip and pin machine. Its just hard if you need to use the CC abroad.

I have SkimProt

 

[Arthur]

I have SkimProt

Where'd ya get it?

 

[mister]

Where'd ya get it?

http://www.ozogen.co.za/skimprot.html

They are about R75 if I recall correctly.

 

[Beachless]

I have SkimProt

I need some for the whole family.

 

[akescpt]

http://www.ozogen.co.za/skimprot.html

They are about R75 if I recall correctly.

I need some for the whole family.

2 x sticker pack is R222.30 incl VAT. gets sent to you via registered post at no additional cost after EFT.

emailed them now.

 

[mister]

2 x sticker pack is R222.30 incl VAT. gets sent to you via registered post at no additional cost after EFT. emailed them now.

My price was R75 for one, excluding shipping, and it was before the rand tanked.

 

[airborne]

You card was cloned. They also watched while you put your pin in. Mostly happens at restaurants and filling stations.

The chances are good that you will get your money back, but be more careful in future. Watch your card like a hawk.

If you logged a fraud ticket, all you can do is wait for 2 weeks.

But won't the bank say the pin was used so my fault, niks nada sorry for you?

On the second point, maybe he just rounded off. I often do that and just say they stole R5k as opposed to R4,957.49

Ya that's exactly what I did

Would banks not pick this up and flag the transactions as suspect?

That's what I was wondering, FNB phoned me the first large inlt payment I made and this was suspicious activity, how the heck could I fly from NY to Michigan in a few minutes to swipe my card. I would assume that kind of activity would automatically get blocked?

This is not a credit card so don't expect the bank to monitor every transaction.
Btw OP, this restaurant did the fraudster order online?

Restaurant transaction from what I could gather was a take away, guy ordered then collected and paid with the cloned card.

Why would my cloned card need to be used in the Us and not just get used by the local conartists?
Also what's the point of this super amazing chip card if it's so easily bypassed?

 

[ichigo]

But won't the bank say the pin was used so my fault, niks nada sorry for you?

Ya that's exactly what I did

That's what I was wondering, FNB phoned me the first large inlt payment I made and this was suspicious activity, how the heck could I fly from NY to Michigan in a few minutes to swipe my card. I would assume that kind of activity would automatically get blocked?

Restaurant transaction from what I could gather was a take away, guy ordered then collected and paid with the cloned card.

Why would my cloned card need to be used in the Us and not just get used by the local conartists?
Also what's the point of this super amazing chip card if it's so easily bypassed?

They probably sell the clone cards to them

 

[Shi]

Does all bank accounts allow transactions overseas or do they need this to be set up?

 

[airborne]

From what I understand any cheque card can be used internationally

 

[Drifter]

My STD Ban k account got hit so many times in the last week, I instructed the to freeze the account and I opened a new one.

 

[airborne]

My STD Ban k account got hit so many times in the last week, I instructed the to freeze the account and I opened a new one.

Card cloning transactions?
You have any luck getting the transactions reversed?

From people who have experienced this what's the general reaction from the banks, refund the money into your acc or sorry buddy to bad?

 

[ichigo]

Does all bank accounts allow transactions overseas or do they need this to be set up?

Capitec and Absa does not sure about others have not tested them

 

[Drifter]

Card cloning transactions?
You have any luck getting the transactions reversed?

From people who have experienced this what's the general reaction from the banks, refund the money into your acc or sorry buddy to bad?

Managed to recover one transaction of R1200

 

[airborne]

Plot thickens, phoned the restaurant in Michigan just now to try get a better idea of what took place, it appears that a take away order was placed by phone and the transaction took place offline, ie no pins were involved and the card info was manually put into the system by the cashier by getting the card info and cvv number over the phone from the caller placing the order.

This is good news as apparently if a pin is involved there is a reduced chance of the transaction being reversed by the bank.

I'm interested in how this Capitec debit card is protected from fraud by MasterCard when its used like a credit card, anyone know?