credit card skimming

[friendlyedjit]

have found out today that credit card has been skimmed- if that's right term. Someone has used card to the tune of 1500 in India who has copy of card and knows PIN.
Cannot now use until fraud investigation sorted out...card hasn't been stolen, usually try to be vigilant re putting PIN in out of public view- but that's pretty difficult I think that little plastic shield on those machines doesn't really offer much privacy.
Anyone else been throught his recently??

Yes. My card was used in the Phillipines after DP used at a petrol station which subsequently turned out to be scamming loads of people. First I heard was a day later when tried to use my card and the vendor had to ring Barclaycard and the card was denied. Barclaycard took me through security and confirmed it was me. They asked if I'd been to the Phillipines in the last few days and explained that they had denied a number of cash transactions there.

Two days later we got our new card as old one was immediately stopped. Very impressed with Barclaycard security.

We had this a few months ago, also think it was done at pay at pump petrol station, ours was also in India to the grand sum of £8000, we were lucky and got a phone call from MBNA to ask if we were standing in a jewllers in India, obviosuly we were not!

MBNA were fantastic, even now if we make larger purchases or purchases after a week of not using card they ring us to make sure it is us using card, can be a bit of a pain if in long que as you put in your pin your mobile rings at the same time, but all in all its a good system.

The more I hear of this the more I think I ought to pay in cash for my petrol

I thought the whole idea of chip and pin was to avoid all of this though? But it doesn't seem to have. of course what can happen is that the credit card company blames the user for being careless with PIN?? these scammers are professionals and are probably one step ahead of banks.

You should find that you are covered for the loss. No money was actually taken from my account, but my understanding is that it would have been refunded by card provider. Chip and Pin is safer than signature but scammers can keep up with the technology.

But this fraud always seems to emanate from petrol stations

I think they probably are, sad isn't it. I don't think we ever had a problem sorting it out though. Has your provider said that you were being careless?

Aha!! Chip 'n pin was sold this way to the customer, but really it justs puts the onus of responsibility back on the customer so it is harder for the customer to prove that the PIN was kept secret...

Scams are v clever - my dad was nearly scammed of almost 90% of his retirement savings - it was only when the bank called him to check up on some details that he even found out that his signature had been forged on the documents...

No was just asked what I presume are the usual sorts of questions- had we let card out of sight or lost etc? Did anyone else have access to PIN.Had we left it behind a bar or given it to restaurant? Of course haven't been out for ages......... so chance would have been a fine thing. Although with current nappy brain at 34 weeks. Did have to spend several seconds thinking " have I been to India recently?"
I'm sure it will all be straightforward eventually but it is a pain..
Am now thinking about which petrol stations- it should be easy to work out patterns from transactions of those cards that have been scammed as may have gone to same places locally....( detective hat goes on)

Friendlyedjit - this happened to us recently, mastercard froze the account so that when I tried to use my card it was declined and had to contact them.

The first question they asked me was if I had the card!! Yes I said, then they asked me about recent purchases. As we have been with them for years and our monthly spends are the same every month they could tell something was amiss.

They just asked us to destroy that card and sent us replacements with a new number which when we received we activated and are now merrily using them.

We had to sign a form to say which transactions were fraudulent and it is all sorted.