Stay clear of skimmers when using ATMs

nice info..karma added:-)

neoman! nice share,

Thanks for the info

watch video here

Good share buddy.

but in shops this can easily be done through this http://t3.gstatic.com/images?q=tbn:ANd9GcRQbb4E…

atleast all card info can be collected through it… and where ever maestro card is used pin can be recorded as well

Well, thank you all. But the credit goes to: http://blogs.quickheal.com/wp/author/s...y/

nikhilbansal30 wrote:

but in shops this can easily be done through this http://t3.gstatic.com/images?q=tbn:ANd9GcRQbb4E...


atleast all card info can be collected through it… and where ever maestro card is used pin can be recorded as well

Yes. The disadvantages of technological advancement. Keep guard, brothers and sisters!

neoman wrote:

Well, thank you all. But the credit goes to: http://blogs.quickheal.com/wp/author/s...y/

Good. Its always suggested to quote the appropriate reference.

Even On Petrol Pump Be Careful Swipe Your Card Front Of You Only

Otherwise Person Will Swipe Your Card On Skimmer(Skimmer Means It’s Record All Your Data) Then He Will Swipe In Machine

So Next Time Don’t Give Your Credit Card To Pump Boy Tell Him To Bring Swipe Machine To You and Then Let Him Swipe

Nice n informative share.

But how can it be risky if your mobile number is registered for alerts. Suppose your credit card is cloned then that hacker will use it in a swiping machine. But soon after that you will get an alert on your mobile number about that transaction. So once you come to know that some transaction is being done with your card you can ask for charge back and block your card.
Please correct me if i m wrong.

Good info …

de$iking wrote:

But how can it be risky if your mobile number is registered for alerts. Suppose your credit card is cloned then that hacker will use it in a swiping machine. But soon after that you will get an alert on your mobile number about that transaction. So once you come to know that some transaction is being done with your card you can ask for charge back and block your card.
Please correct me if i m wrong.

bhai u didnt read it properly…same is said by op//

rajdesidime wrote:

de$iking wrote:

But how can it be risky if your mobile number is registered for alerts. Suppose your credit card is cloned then that hacker will use it in a swiping machine. But soon after that you will get an alert on your mobile number about that transaction. So once you come to know that some transaction is being done with your card you can ask for charge back and block your card.
Please correct me if i m wrong.

bhai u didnt read it properly…same is said by op//

After credit card clone if any transactione is done on ur card you can ask for charge back but for debit card clone u cant ask for charge back so beware while using debit card at ATM or at petrol pump, restaurants, malls etc

Tech_geek wrote:

rajdesidime wrote:

de$iking wrote:

But how can it be risky if your mobile number is registered for alerts. Suppose your credit card is cloned then that hacker will use it in a swiping machine. But soon after that you will get an alert on your mobile number about that transaction. So once you come to know that some transaction is being done with your card you can ask for charge back and block your card.
Please correct me if i m wrong.

bhai u didnt read it properly…same is said by op//

After credit card clone if any transactione is done on ur card you can ask for charge back but for debit card clone u cant ask for charge back so beware while using debit card at ATM or at petrol pump, restaurants, malls etc

Now most of the culprits try to block your mobile sim attached to CC or netbanking & then try to use it for fraudient transactions. So beware if your mobile attached to bank/cc stops working randomly(no network). Call to mobile CC to verify if your mobile sim is not blocked.

Tech_geek wrote:

rajdesidime wrote:

de$iking wrote:

But how can it be risky if your mobile number is registered for alerts. Suppose your credit card is cloned then that hacker will use it in a swiping machine. But soon after that you will get an alert on your mobile number about that transaction. So once you come to know that some transaction is being done with your card you can ask for charge back and block your card.
Please correct me if i m wrong.

bhai u didnt read it properly…same is said by op//

After credit card clone if any transactione is done on ur card you can ask for charge back but for debit card clone u cant ask for charge back so beware while using debit card at ATM or at petrol pump, restaurants, malls etc

I think even on credit charge back is not possible if transaction is done by swiping coz the hacker will get away with the product he purchased and the credit card company will have to pay to that store. So you can’t get charge back here. You can get charge back only for online purchase where the goods are yet to be dispatched. After you request for charge back the store won’t dispatch the product and credit card company won’t have to pay the store so you can get charge back.
And for debit card charge back not possible at all at any store online or offline. So be very careful while swiping your debit card.

mydesitv wrote:

Tech_geek wrote:

rajdesidime wrote:

de$iking wrote:

But how can it be risky if your mobile number is registered for alerts. Suppose your credit card is cloned then that hacker will use it in a swiping machine. But soon after that you will get an alert on your mobile number about that transaction. So once you come to know that some transaction is being done with your card you can ask for charge back and block your card.
Please correct me if i m wrong.

bhai u didnt read it properly…same is said by op//

After credit card clone if any transactione is done on ur card you can ask for charge back but for debit card clone u cant ask for charge back so beware while using debit card at ATM or at petrol pump, restaurants, malls etc

Now most of the culprits try to block your mobile sim attached to CC or netbanking & then try to use it for fraudient transactions. So beware if your mobile attached to bank/cc stops working randomly(no network). Call to mobile CC to verify if your mobile sim is not blocked.

How can a culprit block your sim card without your intimation from mobile operator? If you wanna change your mobile no. registered for transaction alerts you need to go to your branch and give proof documents for the same. Even if the culprit by any gets access to your online banking a/c he can’t change your registered mobile no. online without visiting branch.

So how can a hacker change your mobile no. or block your sim?

aaj kal itni jhanjhat koi nahi karta, seedhe banda uthaya, katta lagaya, gaadi mein bithaya, atm se maal nikalwaya aur kahin thok peet ke fek diya. ukhaad le police aake.

de$iking wrote:

But how can it be risky if your mobile number is registered for alerts. Suppose your credit card is cloned then that hacker will use it in a swiping machine. But soon after that you will get an alert on your mobile number about that transaction. So once you come to know that some transaction is being done with your card you can ask for charge back and block your card.
Please correct me if i m wrong.

de$iking wrote:

I think even on credit charge back is not possible if transaction is done by swiping coz the hacker will get away with the product he purchased and the credit card company will have to pay to that store. So you can’t get charge back here. You can get charge back only for online purchase where the goods are yet to be dispatched. After you request for charge back the store won’t dispatch the product and credit card company won’t have to pay the store so you can get charge back.
And for debit card charge back not possible at all at any store online or offline. So be very careful while swiping your debit card.

I think even on credit charge back is not possible if transaction is done by swiping coz the hacker will get away with the product he purchased and the credit card company will have to pay to that store. So you can’t get charge back here. You can get charge back only for online purchase where the goods are yet to be dispatched. After you request for charge back the store won’t dispatch the product and credit card company won’t have to pay the store so you can get charge back.
And for debit card charge back not possible at all at any store online or offline. So be very careful while swiping your debit card.

i think u r right.
Any expert opinion ?

*5 things you need in a secure credit card

Vivina Vishwanathan, The Mint*

If you ask these questions before buying a card,
your exposure to fraudulent activity will be lower

The number of credit card holders who have become victims of cyber frauds has risen exponentially. In the recent past, electronic payment systems have become vulnerable to new types of misuse. The Reserve Bank of India (RBI) in February asked banks to put in place certain security and risk measures. The apex bank released new guidelines to make payment through credit or debit card more secure. According to RBI data, the number of credit card frauds rose to 1,590 in the quarter ended 31 December amounting to Rs.9.49 crore compared with 1,327 cases amounting to Rs.4.93 crore in the preceding three months.

Considering these fraudulent activities, it has become even more important to pick a secure credit card. “Like you choose your toothpaste or your shampoo, you should also choose your credit card. People just buy a credit card become his/her bank is selling it. You should exercise your right to choose a financial product,” says Uttam Nayak, group country manager (India and South Asia), Visa.

Banks and other financial institutions sell hundreds of credit cards. It is impossible for a person to select the best card in the market. However, you can choose a secure card. How? Just ask your banker few questions before buying a credit card. Here are the five things that you need to ask your banker before accepting the card that they offer.

Zero-liability policy

Most banks offer zero-liability policy on credit cards. However, the cover will vary from bank to bank. “We’ve zero liability for credit cards. Any fraudulent transaction after reporting loss of card will be covered. Customers need to inform immediately on the loss of card,” says Rajesh Kumar, senior executive vice-president, retail credit and risk, HDFC Bank Ltd.

Once you know that you will get zero-liability, ask if it is covered for stolen card or any kind of fraudulent activity. “In the US and most of the markets, zero-liability is mandated by the regulator. In India, though zero-liability is provided but still all facilities are not available as nobody is ready to pay a fee,” says Nayak.

Ascertain the number and amount of fraudulent transactions covered. Some banks cover transactions within five days prior to reporting whereas some do for three days. Some banks cover unlimited amount of transaction while others have a cap of Rs.10,000. A few banks ask you to pay the first Rs.5,000 lost and the rest is covered by them. So, there are multiple schemes available. The process of claim also varies from bank to bank. In case of any loss or fraud, your bank may ask you to give it in writing that you haven’t done it. Some may record your phone call.

Chip-based card

RBI has asked all banks to provide chip-based cards if the card is used in a foreign land at least once. “Chip-based card is more secure as it is difficult to copy data from it compared with a magnetic-strip card,” says A.P. Hota, managing director and chief executive officer, National Payments Corp. of India.

This is true only for swipe purchase and not when you purchase online. However, there have been reports that chip-based cards also have been compromised. “This happens when the terminal set at a merchant outlet can read only magnetic-stripe cards (chip-based cards do have magnetic strip as of now). The terminal will use the magnetic strip to read the card. Now in case a fraudulent activity happens, the liability will fall on the bank through whose terminal the activity happened. So customer or the chip-based issuing bank is protected,” says Nayak.

As you have taken protection by opting for a chip-based card, the liability of fraudulent activity will not fall on you.

Factors of authentication

RBI has stated that banks should move towards a system that facilitates implementation of additional factor of authentication for cards. Multi-factor authentication is considered to be safer as the bank will also send a one-time password to your mobile phone and you can transact only if you key in the code that has been sent to you. However, some banks still don’t have this. For instance, HDFC Bank Ltd does not offer multi-factor authentication on all cards. Citibank gives you an option of multi-factor authentication or do a direct transaction. Axis Bank Ltd has put in place multi-factor authentication.

Blocking the card

In case of loss of card or fraudulent activity, the first thing that you should do is to block the card. All banks that offer credit cards provide the facility to block the card by calling the customer care helpline. But what happens if you are abroad or unable to contact the customer care? “HDFC credit card can be blocked through Internet banking. You can anyway call the customer care too,” says Kumar. RBI has stated that banks should provide easier methods such as text message to the customer for blocking card and get a confirmation to that effect after blocking the card.

Suspicious transaction

RBI has also asked banks to frame rules based on the transaction pattern of the usage of cards by the customers in coordination with the authorized card payment networks for preventing fraud. Simply put, in case a bank sees a transaction happening in a geographical region which is unusual for the customer, they call the customer to validate whether he/she wants to do the transaction. American Express, based on the customer behaviour, calls the card user if they find any suspicious behaviour and also for big-ticket purchases.

Conclusion: There are other facilities such as buying an insurance policy, temporary credit which bank gives in case of fraudulent activity and provisional credit in case of dispute. However, if you ask these five questions before buying the credit card, your exposure to fraudulent activity will be lower.

@ Barood

Thanks for this much useful info.

@B@R_0_0_D wrote:@

5 things you need in a secure credit card

Vivina Vishwanathan, The Mint


If you ask these questions before buying a card,
your exposure to fraudulent activity will be lower

The number of credit card holders who have become victims of cyber frauds has risen exponentially. In the recent past, electronic payment systems have become vulnerable to new types of misuse. The Reserve Bank of India (RBI) in February asked banks to put in place certain security and risk measures. The apex bank released new guidelines to make payment through credit or debit card more secure. According to RBI data, the number of credit card frauds rose to 1,590 in the quarter ended 31 December amounting to Rs.9.49 crore compared with 1,327 cases amounting to Rs.4.93 crore in the preceding three months.

Considering these fraudulent activities, it has become even more important to pick a secure credit card. “Like you choose your toothpaste or your shampoo, you should also choose your credit card. People just buy a credit card become his/her bank is selling it. You should exercise your right to choose a financial product,” says Uttam Nayak, group country manager (India and South Asia), Visa.

Banks and other financial institutions sell hundreds of credit cards. It is impossible for a person to select the best card in the market. However, you can choose a secure card. How? Just ask your banker few questions before buying a credit card. Here are the five things that you need to ask your banker before accepting the card that they offer.

Zero-liability policy

Most banks offer zero-liability policy on credit cards. However, the cover will vary from bank to bank. “We’ve zero liability for credit cards. Any fraudulent transaction after reporting loss of card will be covered. Customers need to inform immediately on the loss of card,” says Rajesh Kumar, senior executive vice-president, retail credit and risk, HDFC Bank Ltd.

Once you know that you will get zero-liability, ask if it is covered for stolen card or any kind of fraudulent activity. “In the US and most of the markets, zero-liability is mandated by the regulator. In India, though zero-liability is provided but still all facilities are not available as nobody is ready to pay a fee,” says Nayak.

Ascertain the number and amount of fraudulent transactions covered. Some banks cover transactions within five days prior to reporting whereas some do for three days. Some banks cover unlimited amount of transaction while others have a cap of Rs.10,000. A few banks ask you to pay the first Rs.5,000 lost and the rest is covered by them. So, there are multiple schemes available. The process of claim also varies from bank to bank. In case of any loss or fraud, your bank may ask you to give it in writing that you haven’t done it. Some may record your phone call.

Chip-based card

RBI has asked all banks to provide chip-based cards if the card is used in a foreign land at least once. “Chip-based card is more secure as it is difficult to copy data from it compared with a magnetic-strip card,” says A.P. Hota, managing director and chief executive officer, National Payments Corp. of India.

This is true only for swipe purchase and not when you purchase online. However, there have been reports that chip-based cards also have been compromised. “This happens when the terminal set at a merchant outlet can read only magnetic-stripe cards (chip-based cards do have magnetic strip as of now). The terminal will use the magnetic strip to read the card. Now in case a fraudulent activity happens, the liability will fall on the bank through whose terminal the activity happened. So customer or the chip-based issuing bank is protected,” says Nayak.

As you have taken protection by opting for a chip-based card, the liability of fraudulent activity will not fall on you.

Factors of authentication

RBI has stated that banks should move towards a system that facilitates implementation of additional factor of authentication for cards. Multi-factor authentication is considered to be safer as the bank will also send a one-time password to your mobile phone and you can transact only if you key in the code that has been sent to you. However, some banks still don’t have this. For instance, HDFC Bank Ltd does not offer multi-factor authentication on all cards. Citibank gives you an option of multi-factor authentication or do a direct transaction. Axis Bank Ltd has put in place multi-factor authentication.

Blocking the card

In case of loss of card or fraudulent activity, the first thing that you should do is to block the card. All banks that offer credit cards provide the facility to block the card by calling the customer care helpline. But what happens if you are abroad or unable to contact the customer care? “HDFC credit card can be blocked through Internet banking. You can anyway call the customer care too,” says Kumar. RBI has stated that banks should provide easier methods such as text message to the customer for blocking card and get a confirmation to that effect after blocking the card.

Suspicious transaction

RBI has also asked banks to frame rules based on the transaction pattern of the usage of cards by the customers in coordination with the authorized card payment networks for preventing fraud. Simply put, in case a bank sees a transaction happening in a geographical region which is unusual for the customer, they call the customer to validate whether he/she wants to do the transaction. American Express, based on the customer behaviour, calls the card user if they find any suspicious behaviour and also for big-ticket purchases.

Conclusion: There are other facilities such as buying an insurance policy, temporary credit which bank gives in case of fraudulent activity and provisional credit in case of dispute. However, if you ask these five questions before buying the credit card, your exposure to fraudulent activity will be lower.

Bankers rock

@ vishu

Kindly do not quote lengthy posts… We have to scroll a lot.

Watch how they conned the woman!

Be very careful ladies with your hand bag where you leave it NOT out of sight.

Be careful when you leave your handbag unattended.

Hi everyone -
PLEASE watch this video clip – it has a very important lesson for all women – so guys – show this to your wife, girlfriend, mom, daughter, in laws, friends, grandma, cousins etc….

Men too, when they are watching over their ladies bags!

Watch and learn – This is really good!

This may be a repeat but well worth watching again.

http://www.wimp.com/goodsam…n/

Now, i presume that banks have installed a measure to stop skimming at ATM,
probably, some of the customers have been saved by that.

@Magus

Few tips from my side
1. Before entering ATM in case of access control, check for skimmer.
2. Check skimmer on ATM, where you insert your card by slight pull.
3. Check exactly on top where u are standing for any pinhole type camera.
4. Rub (sweep through) keypad once.
5. In case of some problem, never allow anybody to extend help including guard except bank staff (most probably they are the skimmer)
6. Never disclose ur pin.
@B@R_0_0_D @Magus