How was my debit card cloned ?

[daveza]

Pin has been changed - but seeing as 'someone' 'found' it previously I'm not feeling warm and fuzzy.

 

[Freaksta]

No - but that will change

It would have saved me half what was taken.

heh another reason i like FNB, i think pretty much automatically get this service when you join!

On the topic though, i think another important thing is to keep your daily limit as low as possible! Im not sure about other banks but its as easy as logging in and changed it and clicking apply online.! This with sms notification should be a pretty good way to minimize the damage.

 

[wrathex]

I was scammed out of R10 000 recently, same situation, only used my debit card at a specific place, I know it happened there, also can't name it, because I am not sure - I know Standard Bank knows who the guilty people are, also reported it to the police and Standard Bank refunded me within 10 days.

I now draw cash again. I am far more snoep with my card, and I actually cover the keypad when pinning. Decreased my daily limit and my electronic payment limit.

Regular customers at any store beware: I suspect staff reposition security cameras to read pins, then all they need is to clone the card.

 

[Kornhub]

I was scammed out of R10 000 recently, same situation, only used my debit card at a specific place, I know it happened there, also can't name it, because I am not sure - I know Standard Bank knows who the guilty people are, also reported it to the police and Standard Bank refunded me within 10 days.

I now draw cash again. I am far more snoep with my card, and I actually cover the keypad when pinning. Decreased my daily limit and my electronic payment limit.

Regular customers at any store beware: I suspect staff reposition security cameras to read pins, then all they need is to clone the card.

R10k

 

[NomNom]

Maybe the management of the Supermarket is in on it, they have cameras don't they?, they could of seen what your pin is.

 

[Elimentals]

I change my pin every so often, also using a very low withdraw limit.

To those people that lost money, dont you get SMS's every time money leave your accounts?

If not what banks do you use?

 

[NomNom]

I change my pin every so often, also using a very low withdraw limit.

To those people that lost money, dont you get SMS's every time money leave your accounts?

If not what banks do you use?

You got to pay extra for that, it's not inclusive when you have a bank account afaik.

 

[D3x!]

You got to pay extra for that, it's not inclusive when you have a bank account afaik.

You with the wrong bank

 

[Freaksta]

You with the wrong bank

I agree, its freeeeee with FNB, i dont understand why other banks dont offer it for free either, anything over R100 and i get an sms! Surely it would save them cash in the long run? 10k worth of smses are a lot of smses...

 

[fastesthamster]

I agree, its freeeeee with FNB, i dont understand why other banks dont offer it for free either, anything over R100 and i get an sms! Surely it would save them cash in the long run? 10k worth of smses are a lot of smses...

Free with Nedbank as well. Transaction limit is higher, though.

 

[akescpt]

i also have a low withrdrawal limit. mother in laws card was also cloned but they withdrew more than her daily limit. dunno how that happened. she was with absa wo later refunded the money after their investigation.

 

[wrathex]

I change my pin every so often, also using a very low withdraw limit.

To those people that lost money, dont you get SMS's every time money leave your accounts?

If not what banks do you use?

I did get an sms, that is why I took action fast. I'm also one of the people that forward scam mails directly to the banks security dept, talking of which I haven't received a scam mail for a while.

 

[Sinbad]

standard bank ATMs are notorious for being modified to admit card skimmers. (Or were a few months ago). My fiancee had her debit card cloned after using it to draw cash from Standard Bank atm in roodepoort. The skelms just detach part of the facia of the machine and stick on another one that has a pinhole camera and card skimmer built in.

 

[noxibox]

The only thing is your ping. Maybe the teller has sneaky eyes?

They don't need the PIN to defeat a chip card.

If you still using the default pin issued, change it. Standard Bank staff have access to default pin information. In some cases cash is withdrawn before a customer collects their new card.

My chip credit card had no default PIN. The one they issue on my other card for ATM use should not accessible to them. If it were though the updated one would be too. Unless you have some way to change it that does not go through your bank's system at any time.

I change my pin every so often, also using a very low withdraw limit.

For a chip card that will only help you if they steal and try to use the card. A copied card or using one of a number of methods to defeat the chip will bypass your PIN.

 

[akescpt]

Its very easy to bypass the chip. One day at W the cashier was struggling since my card had the chip. She then bypassed it right in front of me. Me and wife looked at each other very surprised!

 

[mandana]

I had 4k taken from my Absa bank account. 2k taken at 23:55 on the Saturday and 2k taken at 00:05 on the Sunday. Both SMS arrived at 6am on the Sunday morning.

Reported it to Absa, 4 weeks later they tell me I wont get my money back because there is no proof that the card was cloned yet when the money was withdrawn the card was in my wallet and i was having a party at my home.


Now the case is at the ombudsman.... with my sms' arriving so late after withdrawals there has to be someone on the inside assisting this thieves. grrr

 

[Sinbad]

You probably have your Absa NotifyMe set up to only send during a limited period.

Also, absa ftl.
Even Standard beep will do better than that.

 

[daveza]

So getting your money back from Absa depends on whether you can prove your card was cloned ?

 

[wily me]

So getting your money back from Absa depends on whether you can prove your card was cloned ?

I do not think the onus is on you? I am sure there will be disputes as this card cloning thing is rampant. I am sure there are bonuses involved if the fraud department can save as much as they can. Try to get hold of your banks fraud department and speak to someone dealing with your case. That's what I did in my case.

 

[stevovo]

:wtf: //off to go lower daily limit...