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Date: 3/9/2006 2:59:00 AM
Author: Dancing Fire
i agree with Mara,if someone wants to find you they'll find you.
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DF darling, do you see the difference between "if someone wants to take your wallet out of you pocket"

and "if someone wants to take your wallet left out on the sidewalk"?
that's all storm was talking about.


And littlelysser i want your guard dogs for my screensaver
 
Thanks. I have a bunch of pics of them that rotate as my screen saver...they are two of the silliest dogs ever and their silliness is capture quite well on film...

You know, when they aren''t being vicious!
 
The world is made up of all kinds of freaks we could never imagine. Strm is right. There could be people( more troubled than most of us
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) that have ulterior motives for being on the net. Like child molesters posing as teenagers to lure kids into their trap. Imagine how easy a mark us PSers could be.....Come here little girl, I have an Asscher Cut RHR I''d like you to see
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You never know who is out there and what they Really want.
 
I''m a little confused... What prompted this thought? I appreciate the concern though. I''ll be more careful.
 
Thanks for the reality check. There''s plenty of creeps out there. But I think there''s a lot of risks with emails and online purchases where more specific information are involved. I don''t think anyone have given very specific information on here. And yes if they want to find you, they will find you. My sister was a victim of identity theft and we had no idea of it until she got a call from the police. She was lucky that the police found out about it early on. The police said that the theif stole a pre-approved credit card letter from the mailbox. That''s the most common way theives steal info.
 
Date: 3/10/2006 5:38:36 PM
Author: moon river
Imagine how easy a mark us PSers could be.....Come here little girl, I have an Asscher Cut RHR I''d like you to see
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That''s too funny! I hope I don''t run into any Asscher-totin'' madmen in the grocery store parking lot. I''d be a goner!
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Date: 3/10/2006 6:14:09 PM
Author: qtiekiki
The police said that the theif stole a pre-approved credit card letter from the mailbox. That's the most common way theives steal info.
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Which is why they should NOT be allowed to send those out! I know you can call and get off the mailing lists (which I have, months and months ago)....but I still get at least 2-3 of those stupid things every week.
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My mailbox is locked, and I always rip them up (not just throw them away whole)....but seriously....if I want a card, I will apply for one myself!
 
Date: 3/10/2006 6:30:05 PM
Author: FireGoddess

Date: 3/10/2006 6:14:09 PM
Author: qtiekiki
The police said that the theif stole a pre-approved credit card letter from the mailbox. That''s the most common way theives steal info.
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Which is why they should NOT be allowed to send those out! I know you can call and get off the mailing lists (which I have, months and months ago)....but I still get at least 2-3 of those stupid things every week.
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My mailbox is locked, and I always rip them up (not just throw them away whole)....but seriously....if I want a card, I will apply for one myself!
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We shredded all our junk and old mails. Yeah no matter how many time you call them, a new one will show up. And this is off topic, but I called to cancel a card and they never did. I kept calling but they still didn''t and eventually it expired. CC company can be so annoying.
 
Don''t know if anyone has read the articles on this, but the latest Identity Theft cases, involve getting people PIN NUMBERS from merchants from their debit cards.

A lot of these gangs are in Canada, England and Russia. They have broken the security codes of pin number from merchant transactions.

Once they can forge an ATM card, and apply your pin to it, they can make cash withdrawals through foreign ATM machines.
There''s been a rash of this going on - but many of the banks are not being as open about it as they should be.

The bad part here for consumers is that if your credit card info is stolen and used, you have some protection against how much you''ll have to pay. With a debit card, you DO NOT. They can clean out your account, and you have no protection of getting the money back.

Rockdoc Consumer Advice: If you use a debit card to make purchases, don''t tell them its a debit card, so the pin number doesn''t get stored in the merchants account transfer database. If you can use a credit card instead, at a merchant it is best to do that. Hopefully Congress will pass something so that there is some protection and limit of liability against consumers. But as of the moment there is none for debit cards !

Some links to late breaking news about this:


http://www.crn.com/sections/breakingnews/dailyarchives.jhtml?articleId=181502930

http://msnbc.msn.com/id/11731365/

http://www.computerworld.com/industrytopics/retail/story/0,10801,109427,00.html

The world has a lot of opportunists in it. Many out of variious location particularly Nigeria.


Rockdoc
 
For a while the big thing was for restaurant employees to take your cc # down when you paid for your bill and then they''d sell it or use it or whatever.

There are many ways that people can take advantage of you or your information...not just internet related. My mom had her information stolen from her mailbox years ago and this was way before the internet.

People will be evil regardless of the venue or the method. Everyone should be cautious in general.
 
Date: 3/10/2006 7:03:49 PM
Author: RockDoc

With a debit card, you DO NOT. They can clean out your account, and you have no protection of getting the money back.


Hopefully Congress will pass something so that there is some protection and limit of liability against consumers. But as of the moment there is none for debit cards !
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RocDoc,
Visa actually does offer the same protection for it''s debit card holders as credit card holders..here''s the
link but you are correct they do not cover transactions made at an atm. but someone would have to have your card and pin to use it there. I understand what you are saying though and it''s a scary thing. My dad had a paypal account hacked into that was attached to a bank and credit card account. Fortunately he was able to recover everything that was stolen but he also had a special account set up with low balances and credit limits in case something like this would happen. Cash is still King in my book
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Date: 3/10/2006 7:32:04 PM
Author: Mara
For a while the big thing was for restaurant employees to take your cc # down when you paid for your bill and then they''d sell it or use it or whatever.
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that is why i get one with a small limit for restaurant and internet purchases.
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Date: 3/10/2006 8:38:39 PM
Author: mrssalvo

Date: 3/10/2006 7:03:49 PM
Author: RockDoc

With a debit card, you DO NOT. They can clean out your account, and you have no protection of getting the money back.


Hopefully Congress will pass something so that there is some protection and limit of liability against consumers. But as of the moment there is none for debit cards !
Click to expand...

RocDoc,
Visa actually does offer the same protection for it''s debit card holders as credit card holders..here''s the
link but you are correct they do not cover transactions made at an atm. but someone would have to have your card and pin to use it there. I understand what you are saying though and it''s a scary thing. My dad had a paypal account hacked into that was attached to a bank and credit card account. Fortunately he was able to recover everything that was stolen but he also had a special account set up with low balances and credit limits in case something like this would happen. Cash is still King in my book
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Hi Mrs. S

I read the link. Go back and read it carefully. Yes, Visa covers debit card transactions that go the the VISA NETWORK.

It does not cover ATM theft. In articles I posted the links to above,the new wrinkle with the scammers is to withdraw cash from an atm. They have been able to fraudently forge the card, and once they get the account number and pin, it is very easy for them to make atm withdrawals.

The thieves using a visa debit card for a purchase actually have to buy merchandise which they then have to fence and resell. But getting cash is far more attractive to them, and so they are hitting the ATM''s to withdraw cash, and while there are limits people have on their credit cards. The cash bank accounts are only limited to the balance that is there. So the theft is actually an ATM theft - which is excluded on that link.

For other transactions of theft, they say it is up to the issuing financial institution who issued the card.

Frightening stuff, how they managed to crack the security code of the merchant area.

Rockdoc
 
I know on my ATM there is a limit to how much i can take out in a day (like 400 or 600 or something). So at least they couldn''t wipe out the entire account in a day.
 
We had our card "skimmed" last year. That''s where the cashier (or in our case waiter) who takes your credit card swipes it into the register and then pulls out a hand held device and swipes it again. The device is later hooked up to a computer and then a duplicate card is made with all the encoded information on the magnetic stripe. Anyone''s name can be put on the front of the card with your magnetic stripe. These cards are then sold to criminals. It''s quite a lucrative theft ring. In our case the thieves tried to use the card in Louisville KY to make an $1100 purchase at Best Buy. They''d already tested the card by making an $88 purchase that went through. I had purchased gas at a station only minutes earlier in NC and the discrepancy tripped my credit card''s fraud alert. That''s why my credit card company declined the phony card in KY.

We suspect the skimming happened at a Chili''s restaurant in Cary, NC as that was the only place we''d used the card in the previous month where it was out of our sight. All the other places we''d used the card we''d scanned the card ourselves or had watched as an employee scanned the card.

My card was a platinum Master Card. Skimming thieves like to target gold and platinum cards because they typically have high credit limits. My CC company kept our platinum account but when they sent us our new cards, they only used the plain type of card logo.
 
As a veteran waitress/bartender/asst. restaurant manager, I have to assure everyone that honest restaurant people are out there!
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I can''t believe what I''m hearing. One thing I can say is it is important to make sure to total your receipts (including writing in the tip-not just the total), scribble out your card number on the carbon copy that you leave the waitress, and NEVER leave the receipt on a table in a busy cocktail lounge. I always find a manager if I can''t find the server. Oh, and about scribbling out the number...many new servers who don''t know how to close out orders properly or have misentered a tip may have to go back and void the transaction in the computer and rering it. They use (seen first-hand) the credit card receipts to do this since most don''t think to write the number down. Although their intentions are innocent, if you get someone who does this several times on your order, sometimes everything doesn''t void. But selling cc numbers! That''s insane!
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Date: 3/8/2006 1:26:58 PM
Author:strmrdr
Remember anyone can read these threads.

A good rule is that if you wouldnt tell someone about it at a bus stop across the street from your house dont share it on the net.

Lets be a little more careful.
I dont want to hear about anything happening to my friends here.
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Going back to the original topic brought up by strmrdr, I just wanted to add something. While people may not be able to directly track us from the ring pictures we post, the stories we tell, or the vague financial info we have, they can decide to hack into our screenname once they decide someone might be worthwhile. I am not being paranoid here, just trying to point out the possible threat that is held by posting anywhere. And when you post multiple diamonds hackers may be more inclined to find your info and you. Just something to keep in mind, I''m definitely not trying to scare anyone from posting those gorgeous rocks!

And thanks for the care strmrdr!
 
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