Unused debit card "hacked"

O

o hai guyz

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Jan 15, 2010
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Today I received a call from my bank about possible unauthorized activity on my debit card. I checked the charge and it's to some random template-looking site that appears to be based in San Francisco.

The strange thing about this is I don't even use that debit card - that entire bank account is just for storing savings, I don't actually spend money from it. So the card has just been buried in a filing cabinet in the back of my closet and no one has seen it. How is it possible that a scammer could have gotten the card number and billing info?
 


Close the card. It's irrelevant how they got the card info. What's relevant is that you shut down their ability to use your funds.

Also, in my opinion, the template-looking site didn't steal your info. Whoever has your card info is using the template site to test whether or not the card gets shut down. If activity goes unnoticed, then they follow up with maxing out the card.
 
KennyPowers said:
Also, in my opinion, the template-looking site didn't steal your info. Whoever has your card info is using the template site to test whether or not the card gets shut down. If activity goes unnoticed, then they follow up with maxing out the card.
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Oh ok, that makes sense.

I did close it down as soon as I saw it, I'm just curious how anyone could have gotten it.
 
Yeah , Someone is using your card on the template-looking site either to buy the product or testing your card .No one will use a stolen card info on their legit website to make monies .
 
o hai guyz said:
How is it possible that a scammer could have gotten the card number and billing info?
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The billing info is irrelevant. I think they might possibly check postcode, but they definitely don't check anything else, not even country (have put Antarctica as my country many times without anything flagging, except very occasionally at a site level when they're using Maxmind) or name (again, have used false names many times). Then the question is have you ever used it, even for doing an internal transfer at a bank branch?
 
o hai guyz said:
How is it possible that a scammer could have gotten the card number and billing info?
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1. Bank Employee selling data.
1b. Bank Janitor selling data.
2. Random generator trying random sites until one gets accepted.
3. Bank hack.
4. Someone in your home.
5. Someone at Post Office.

There are a million ways to get your data, random or targeted,
Nothing is safe. We all know this, do not let yourself be surprised, do not get a debit card on a savings.
 
To process a card at a merchant level all you need is CC# and expiration date. So it's really not that tricky to get info and steal someone's cash
 
-joe- said:
The billing info is irrelevant. I think they might possibly check postcode, but they definitely don't check anything else, not even country (have put Antarctica as my country many times without anything flagging, except very occasionally at a site level when they're using Maxmind) or name (again, have used false names many times). Then the question is have you ever used it, even for doing an internal transfer at a bank branch?
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Not that I remember, but if they recycled the same card number from the previous expired one that I had, then yes I had used that old one for a few things 5+ years ago. But honestly it was all so long ago I don't remember if the card number is the same or not, and I assumed if it hadn't been stolen by then that it would be pretty safe.

REIMktg said:
do not get a debit card on a savings.
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Yeah that's a good idea, I have debit cards against all my savings accounts, even though I never use them I just figured I might as well get the cards on the off-chance that I ever need them.
 
You should contact debit card provider and request them to close your debit card. Someone can use your card details to buy products online. I use worldcore debit card and it provides me secure service and i have no problem like this.

best online payment service
 
In my personal opinion, the most likely reason is your CC along with a list of other CCs were stolen by hackers and resold (or just used by them). Probably the bank doesn't realize the hack or is not willing to admit it.

Others are right, the real issue is getting it shut down not figuring out how they did it.
 
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