Credit Card Skimming - anyone had a problem

[boristhebold]

Ive just had some fraud activity identifed with my debit card, I have suspicions its been skimmed at a local petrol garage, anyone use the shell garages at st leonards or picket post near ringwood, if so have you had any problems, take a look at your bank statement and look for any unusual activity, it usually starts off with a small order amount being taken as a test and then larger amounts. I would be interested in hearing if anyone has a problem and have used those garages or others in this area. The one I used the chip and pin carrd reader wasn't working so I had to sign for a transaction.

[Jizm]

There was a chap doing exactly that a while ago at the old snax garage on the bishopstoke road out of eastleigh. Should be straightforward for them to trace though.

[hobbit555]

dont think it is first time at these garages I was caught a few years ago, lucky though I didnt loose anything.

[Nasher]

I got caught only last week

Give them their due, the HSBC identified all the payments as fraudulent and stopped them. They phoned me last Saturday to tell me what had happened, and that they were sending me a new card.

Strangely I hadn't used my card for a few months, then Friday night somebody used it to try joining an online dating agency in the states, then tried to buy a load of electronics, also in the states.

When I was travelling for work up to 3yrs ago, I used my card in some very dodgy parts of the world nearly every week and didn't get caught.

I'll never know how the info leaked out, or when.

Nasher.

[PeterM]

A couple of stations in Bournemouth area had this a year back - Southbourne TOTAl I think was the main one. I'd put money on the same crew if it is the picket post etc stations that are picking up the details....

[boristhebold]

Seems like a common occurrence. In my case it was the shell garage in st leonards the chip and pin machine was taken offline and they were using a swipe machine instead, it's been replaced now. I feel it's an inside job or a crew pretending to do maintenance on the readers.

[willk]

Originally Posted by Nasher

I'll never know how the info leaked out, or when.

Has "Giles" been going through yer bins Nasher?

[Nasher]

Originally Posted by willk

Has "Giles" been going through yer bins Nasher?

Maybe.

Still don't know who Giles is by the way.

Nasher.

[willk]

Originally Posted by Nasher

Still don't know who Giles is by the way.

Well, apart from him wanting a date and having a keen interest in electronics (Surveillance devices?), you don't have much to go on...

[BogMonster]

Bringing this back up with some useful info ... I was looking for another more recent thread but can't find it. Copy and paste below - another thing to watch out for!

---

There is a new trick that a friend of mine was caught with

Goes to petrol station fills up puts card into machine

Petrol assistant asks for PIN NUmber to be entered - he entered it
Assistant then says "Oh sorry" theres an error - and asks you to rekey it

What has happened is that he didn't put the amount in for the fuel, you then key in you pin which shows up on the screen as keyed info (should have been fuel amount)

He then wipes number (Has now your pin) asks for you to rekey, and it goes through

He has the reciept with your Card number on it AND now has the pin

BEWARE

[Poly]

Bog monster - that doesn't make sense to me. (1) most credit card receipts don't display the entire number any more (because for online purchases that and the three magic digits is all you usually need) - they just show last 4 digits. (2) having the pin number won't help you if you don't have the actual card.

[Nos4r2]

The one to watch now is when apparently your chip is dirty and won't read-don't let the guy take it out and clean it, do it yourself and don't let them handle your card.

I got caught about 6 weeks ago by the garage with a Mace store on Coate Water roundabout in Swindon. He turned my card over and read the security number when he 'wiped the cheap clean'. The store copy of the receipt has the whole card number on...

I hadn't used the card for ages. Funnily, the next day someone started trying to buy phone topups with it and the bank flagged it up as fraud immediately.

I still have the (blocked) card and I know who served me. I'm very tempted to take a trip in there and fill my car up on it the ask them to explain why the card is blocked...and ask him to call the police

[Courageous]

Polwart, I had to read this twice also but believe it's the following:

Card has been skimmed so can be cloned in it's entirety for their future use. Only thing missing is the PIN.

They present you with the card machine at the point where the "amount" should be entered and you then enter the amount thinking you are entering your PIN. He then looks at the machine and sees that you have entered £58.40 OR £5840 and then knows your pin is 5840. Then he deletes this, puts in the correct amount and asks you to key in the PIN again.

Make any more sense or just more confuddling?

Boggy thanx for this mate - great tip off

[Courageous]

Thanx for that tip NOS.

Was once "done" by the concierge in a french hotel "Formule 1". He placed me in the room closest to the check in desk but made sure there was a fault with the heating in my room. I asked him to check it out, he came to the door and of course I enter the PIN for my door access but he watches over my shoulder. Later he sees me go for a pee (as the toilets are all in reception), dives into my room and nicks 180 euro from the wallet that was lying on my bed.

Stupid mistake on my part but thought I could trust the hotel employee. Of course the management of the chain couldn't give a shite!

[BogMonster]

Originally Posted by Courageous

Polwart, I had to read this twice also but believe it's the following:

Card has been skimmed so can be cloned in it's entirety for their future use. Only thing missing is the PIN.

They present you with the card machine at the point where the "amount" should be entered and you then enter the amount thinking you are entering your PIN. He then looks at the machine and sees that you have entered £58.40 OR £5840 and then knows your pin is 5840. Then he deletes this, puts in the correct amount and asks you to key in the PIN again.

Yes that is my understanding. Friend of a friend posted this on another forum - not personal experience - but thought it worth sharing as it was new on me.

A merchant copy of a receipt has the full 16 digit number plus the expiry date, ours certainly did in my last job. Only the customer copy has digits **** out because I assume they think the customers are too stupid to dispose of their receipts safely (probably a good assumption) but all retailers are honest (probably a bad assumption).

[Poly]

Originally Posted by BogMonster

Yes that is my understanding. Friend of a friend posted this on another forum - not personal experience - but thought it worth sharing as it was new on me.

A merchant copy of a receipt has the full 16 digit number plus the expiry date, ours certainly did in my last job. Only the customer copy has digits **** out because I assume they think the customers are too stupid to dispose of their receipts safely (probably a good assumption) but all retailers are honest (probably a bad assumption).

Ah you may be right there - which fits with Nos' recent experience. I thought they had stopped them printing all the data - but it seems not.

Originally Posted by Courageous

Card has been skimmed so can be cloned in it's entirety for their future use. Only thing missing is the PIN.

Skimming the magnetic card and replicating it is trivial (and something I could do with equipment on ebay etc for about £100). But a magnetic strip and a pin number doesn't help - you can't use that to get money/pay for stuff - if you want the pin you need a cloned chip too. Cloning the chip on a card is not trivial, it might be theoretically possible - but it would need very specialist equipment. It is certainly impossible to create a cloned card with only the pin and the card number etc.

I certainly don't think that cloned chips are a "reality" in the criminal world... ...at least yet! There are far easier / cheaper ways to rip people off!

[Courageous]

Point taken Neil but not all of the globe is "chip and pin". There's obviously an outlet there for cloned strip and pin numbers isn't there?

[willk]

Most of my USA clients are NOT chip n pin. My sellers CC receipts carry the full card number, for my records, obviously. I have, on occasion, been asked by the card company to produce these to settle a dispute, i.e., to prove the card was present. Odd I know, but true.

I get quite a few "African Businessmen" wanting to do all sorts of unusual online deals with their credit cards, all of which are equally worthless, fraudulent and scammish...

[BogMonster]

As above - many US issue cards and a lot of international ones either don't have a chip or don't use it, it's down to configuration.

Our cards here are from Standard Chartered and work fine in the UK with no pin, they have a chip but just make you sign the receipt, there is a PIN but it only works in a cash machine not at an EPOS till. Most retailers are surprised (and some of the newbies on the till downright confused) but had no issues using them anywhere on holiday in Aug. The only cards that caused problems were my HSBC cards issued in the UK, the debit card bounced after a week and the credit card still doesn't work three months after the first problem was notified to them

[Courageous]

My Irish card is strange. I entered the pin 3 times incorrectly and now it won't let me use the pin function. Still works with a signature So ya best bet is to nick someone's BOI credit card, try and guess the pin 3 times then just sign for receipt of that new RIB!