Hi,

Yesterday the Visa company called me and told me that my card has been hacked (for about 810 euro)
I do have an insurance and probably get the money back but now i'm a bit reluctant to use my new card on the internet again.

All i really do with Visa is buy from DAZ, Rendo and Asilefx. These are all sites that i know i can trust fairly good.

Just wondering what other people do when it happens to them ?
Do you continue to use Visa online ?

Wim

I tend to use my PayPal account a lot but I have it set up to use my Visa card as backup funding and I have a PayPal debit card.

Luckily, I've never had this happen to me but I don't do a lot online - generally here, DAZ and a couple of software sites that I know that use a SSL.

I tie my cards to PayPal as well. You don;t have to put your numbers all over the place that way,

Quote - I tie my cards to PayPal as well. You don;t have to put your numbers all over the place that way,

I agree ... it works the best this way and I don't worry about someone grabbing my card numbers. 

Also, since I live in AZ - the #1 state for Identity Theft - I belong to LIfeLock.

I used PayPal in the past to buy stuff from cornucopia3d. Is it really much safer that way ?
I'm just curious because if some person in the world hacks PayPal, he or she would than also have acces to the credid card numbers no ?

That's true but it's also true about any bank account.  You just have to be cautious about the sites you buy from online.

Well, what a coincidence! I was called on monday of last week by a Visa employee.
The same just happened to me. I was ripped for about 1100€ ! It is indeed a shock when it happens to you, since I always look (thought at least) at the "https:"-URL and the litthe lock at the bottom of the browser. Maybe I missed one...I don't  remember though. For years I have been using my credit card and was never a victim of fraude...until last week.
All my fraudulent payments were about airplane tickets in Italy / Spain.
I will be fully refunded, but it is still very scary.
I also have a Paypal account, but also use my normal credit card, as I feel that this works faster for the acceptance.
In the mean time I already received my new card and have been using it.
Anyway, I am VERY HAPPY that Visa did find this fraude themselves and call their customers about it!

I usually also keep an eye on the https and i never ever used my card on a site that does not give me a secure feel. This is for me the first fraude in the 3 a 4 years since i have this card.

Oh and my card was used on some airport in Spain and on Match.com 

FYI, Citibank (I know, I know ... but they are still providing services as a ward of the US govt) has an internet fraud protection scheme that works well.  If you have a credit card with them, they provide you with an application which sits in your tray.  When you want to charge something, you fire it up, provide your password, and it provides a one-time credit card number, including the CV code.  Interestingly, the card always expires in the next month.  The number can only be used once and then is rendered invalid.  I have used this for several years.  The charge always works and it appears on my regular statement just as if I had used my card.

Obviously this won't work if you want to leave your card info on a site for repeated use.  It does, however, eliminate the ability of a thief to use your number if they should get hold of the one-time number, code and exp. date.

Klebnor

Quote -
Obviously this won't work if you want to leave your card info on a site for repeated use.  It does, however, eliminate the ability of a thief to use your number if they should get hold of the one-time number, code and exp. date.

That's an interesting concept and one I approve of.

As for leaving my card info on a site ... never gonna happen.  Even over at DAZ I've opted out of storing my card number because of the possibility of hacking.

Please make sure it is the credit card company thats calling and DONT give out any personal info if you are called. Get a name and call back through the companies published number.   You are relying on the security of the internet transaction and also the security of the website and sadly the honesty of its employees.

I personally dont like pay-pal , they had a bad reputation when they started and there was no real oversite of them , so if they decided to reverse a transaction on your account  there was nothing that could be done. They may have cleaned up their operation since then. 

There have been a lot of changes to PayPal over the years.  The most intensive security overhaul was when eBay bought them.

Like you, I didn't use PayPal all that much except to receive payment for screensavers that I was offering on my site lo these many years ago.  Now I don't have any problems with them and have never been hit.   They've responded well to the phishing emails that were going around a couple of years ago and I don't get those any longer, either.

I have a card I use strictly on the 'net, so if it gets compromised it only affects that card.

We had that happen to us last year, but what is even more scary we got the new cards activated them then did not use them for about 3 months since we have a main card we use for everything. Then all of a sudden we are called by Visa and they tell us our card had been compromised for around 12000 USD.
We had never used those cards ( neither mine or my husbands ) online or in a store or anywhere at all. In the end we were informed there had been a breach on their side. Visa generally is insured though and we got out money back rather swiftly. Same thing with brand new unused cards happened to my sister as well. The internet is only one way for those scumbags to get your information.
I still use my card confidently online in stores like 'rosity Daz and other places I trust for the rest i also use paypal, However i got a special account and card for paypal as I do not trust them to be connected to my main bankaccount either, heard a few bad stories there.

another way is to have a secondary account witha checking card that you place money into, this way you disposit money to it as you need it.  a bit more control.

Do NOT NOT NOT give out =any= info to calls claiming to be from 'Visa'!! There is a current scam going on at the moment. If you get one of these that seems to go through an autodialer hang up, call the actual contact number on your card and ask about it that way. My wife just got such a call, checked, and found out that the scam was in full swing. Remember that the actual credit card company can provide -you- with name, address, zip, and phone number, and at most will say something like the above, and does your account end in XXXX? Never give the full number or the verification code from the back. And if you have, then contact the actual card holder, report it, and get the account frozen before it really gets hit.....

I've had credit card fraud twice, on two different cards, within a month of each other.  Neither one had anything to do with online purchases -- the company that processes credit card payments for merchants was compromised.  Unfortunately this company chose to make the announcement on the day of Obama's inauguration (despite knowing since November about the problem) so very few people found out about it.

Dale B's point is valid.  Both times the credit card company left a recorded message saying that I needed to call the number on the back of my card (and the calls came from the issuing bank, not from VISA).  And if they do call you and they want you to provide the information just politely remind them that THEY called YOU and they should know who they called, shouldn't they?

I'm always very leery of calls or email claiming to be a bank or credit card company with info on a hacked card.
Call your credit card company direct and find out.

Here in St. Louis, we have callers pretending to be AmerenUe and saying the electric service will be disconnect unless a back payment is made.
Then if you fall for it, they want to end someone out to collect.
Folks caught wise to this and reported it because they were not behind in their bill. lol.

My husband once got a call claiming to be from his credit card company and they were checking on some potential fraud and wanted him to give them his credit card number claiming it was illegal for them to read the number over the phone. My husband told the guy that he (the guy that called) should have his info and he could read at least the last 4 digits. They could see if things matched from there. The guy then started threatening my husband, saying he was outside and was going to kill him. My husband said he’d be waiting with his shotgun (knowing full well no one was outside). The guy hung up.

The latest scam (tried on my family business in the UK)
we have two phone lines, an answering machine to take bookings
on one line and a credit card machine on the other line,
someone called the phone company and asked for our calls to be
diverted to his mobile phone!!
& without questioning him they did it!
luckily we sussed it out the same day & made a complaint,
what's all this stuff we hear in the news about security!!!!

Yeah, long distance providers will do that too.
They kept bumping me from my main provider to their own and then sending me rather large bills.

I now have a lock on that with my phone company and a security code that has to be given before any changes are made.

I work in the credit card industry.  There have been some major thefts of millions of card numbers from merchants and the companies (you never heard of) that process transactions for merchants.  So dealing with reputable merchants is no sure safeguard.

A lot of these breaches happen to card data from transactions that were done in stores.  One of the biggest sources of stolen cards is still restaurants.  Waiter takes your card to the back to swipe in terminal & copies your card information to sell it to fraudsters.

All the same, you should be caution about using card on net.  And PayPal is no panacea as fraudsters are constantly trying to hack their accounts by stealing your PayPal sign-on credentials.

Basically - exercise caution.
I am still amazed how many people refuse to use their card on the net -- but think absolutely nothing about handing it to a waiter.
And...
Just as a heads up...

When you get the receipt for your purchase... CHECK IT.
No, I'm not talking about the amount. I'm talking about the number on it.
I told a shop the other day that I will not be shopping there again unless they change their terminal.
Why?
Because when I got the receipt, my FULL card number was printed on it.

Now how many people just toss that in a bin somewhere?
What's worse, it is also stored on the rolls they use for their cash machine. Which, I bet you, is not kept safe someplace because they don't think about it being valuable data to anyone but them.
So yeah, be careful.

Oh, I had my card cloned some time ago.
The only thing I did with it was pay a bill over the phone to a TV Rental company.
So, while the vendor may be reputable, the person at the other end of the phone may NOT be.

On the bright side, VISA has refunded me already :-)

I would be much more concerned about using my card in a store than say at DAZ or another reputable company on the net.

Given that unsavory characters can sit in the parking lot of some of the larger store chains, and using a wireless laptop, catch, and collect all your information the instant you swipe your card. Because when they send your card info to VISA for payment or to authorizse/apply the charges to your card, several of the big name major chains don't encrypt the data transmission at all, or they use an encryption thats long been broken.

I Saw a story about it on dateline a while back. :) And well it sure made my poor ass feel all warm and tingly knowing that some criminal could have possibly gotten my card info by just parking outside in front of the store with a laptop.

About these "added protection" things you can purchase, I call those "protection schemes". Because to me, they are scams. Given that most states and Federal law already requires the CC companies to refund your money if your card information is stolen and fraudulent charges are made to your account. Yep. To get your money back in the event of fraudulent charges made to your card, all it requires is that you sign a notarized affadavit with the bank under penalty of perjury that you didn't make or authorize the charges to be made. And Voila! Within a matter of minutes your money should be refunded.

Of course ease and speedy refunds in such a case are also a reason why it's better to use a card from a local bank where you can walk in and get it dealt with on the spot, as opposed to somewhere like CITIBANK etc....where you have to mail/fax this or that and wait.