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lNomNoml

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#267864 15-Feb-2020 07:42
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I discovered this morning that there was a charge to my card of $145 on 14th Feb from Paypal, I no longer have a Paypal account and have cancelled it, I am with ASB and they confirmed this is going around.

 

 

 

I guess someone wanted to buy them selves a valentines gift...


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freitasm
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  #2421273 15-Feb-2020 08:19
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So not the bank account but the credit card.

You say the babk cancelled but was this the transaction or credit card - because it sounds to mecyour number has been compromised and it is out being used.




 

 

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gehenna
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  #2421275 15-Feb-2020 08:29
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"this is going around" is very vague

 
 
 
 


surfisup1000
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  #2421278 15-Feb-2020 08:39
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lNomNoml:

 

I discovered this morning that there was a charge to my card of $145 on 14th Feb from Paypal, I no longer have a Paypal account and have cancelled it, I am with ASB and they confirmed this is going around.

 

 

 

I guess someone wanted to buy them selves a valentines gift...

 

 

 

 

Someone hacked your paypal account? For that, they'd need your password. 


freitasm
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  #2421279 15-Feb-2020 08:40
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As I said make sure your bank has cancelled not only the transaction but also your credit card.

 

As above "this is going around" is not an answer. If your bank said this, call the credit card security line.

 

Your credit card number is probably in a list - crooks get those from hacked retail store (hotels and restaurants are the most common sources) or a compromised website.

 

 





 

 

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kiwiharry
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  #2421282 15-Feb-2020 08:45
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freitasm:

Your credit card number is probably is a list - crooks get those from hacked retail store (hotels and restaurants are the most common sources) or a compromised website.


 



People should regularly check their bank and credit card statements as a general habit anyway for this reason.

lNomNoml

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  #2421336 15-Feb-2020 10:46
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I do not have a PayPal account anymore it was canceled/deleted, I can not log into it or recover my password.

ASB have canceled my debt card and have also put in a application for a refund.

I only have a debt card not a credit card.

ASB informed me that there was an I flux of calls about the same thing hence the suggestion to check your bank transactions as a precaution.

freitasm
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  #2421341 15-Feb-2020 10:56
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A debit card and credit card are effectively the same thing when processed - the difference is one gets money out of an account the other from a credit line. Both have numbers that look like credit card and are effectively the same when used on websites and retail. 





 

 

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lNomNoml

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  #2421345 15-Feb-2020 11:11
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Just got off the phone with ASB again and turns out it was just me and isn't a active issue going around, so very different to what I was told this morning, so apologies for the false alarm., irritatingly they say it can take up to 30 days to recover the money and that's if they can.


freitasm
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  #2421347 15-Feb-2020 11:13
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The difference between a credit card and a debit card is that with credit card the companies will refund you for fraudulent transactions... With debit, banks will "try" but you never know if you will ever see the money back.

 

One is insurance, the other is... well you get it.





 

 

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lNomNoml

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  #2421349 15-Feb-2020 11:14
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freitasm:

 

The difference between a credit card and a debit card is that with credit card the companies will refund you for fraudulent transactions... With debit, banks will "try" but you never know if you will ever see the money back.

 

One is insurance, the other is... well you get it.

 

 

So going forward using a credit card instead of a debit card is best? Anything else I could of done to prevent this?


Linux
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  #2421351 15-Feb-2020 11:21
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It's a debit card not a debt card

lNomNoml

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  #2421352 15-Feb-2020 11:25
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Linux: It's a debit card not a debt card

 

Haha right you are, serves me right for relying too much on spellcheck ;)


freitasm
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  #2421353 15-Feb-2020 11:26
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lNomNoml:

 

So going forward using a credit card instead of a debt card is best? Anything else I could of done to prevent this?

 

 

The credit card is secure in two ways: it doesn't draw funds directly from your bank account and you have the security of chargebacks. Banks don't give you that.

 

You have to pay the amount in full otherwise you will pay interest. Some cards give you air points or cashback - it is worth checking those out. Most cards will have an annual fee though.

 

How to prevent this? Make sure you don't supply your card to unknown online retailers - dodgy streaming sites that promise movies and sports content without having licence for this is a sure way for having the number leaked. Donating to fake charities sites. Falling for phishing emails and so on - you have to be constantly alert on how you share your information and financial data.

 

At the end it's up to you.





 

 

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lNomNoml

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  #2421358 15-Feb-2020 11:30
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freitasm:

 

lNomNoml:

 

So going forward using a credit card instead of a debt card is best? Anything else I could of done to prevent this?

 

 

The credit card is secure in two ways: it doesn't draw funds directly from your bank account and you have the security of chargebacks. Banks don't give you that.

 

You have to pay the amount in full otherwise you will pay interest. Some cards give you air points or cashback - it is worth checking those out. Most cards will have an annual fee though.

 

How to prevent this? Make sure you don't supply your card to unknown online retailers - dodgy streaming sites that promise movies and sports content without having licence for this is a sure way for having the number leaked. Donating to fake charities sites. Falling for phishing emails and so on - you have to be constantly alert on how you share your information and financial data.

 

At the end it's up to you.

 

 

Ok thank you I will apply for a "VISA Light" card from ASB that says has no fees, for the sole purpose of using it instead of my debit card for online transactions.

 

I do try to be careful online but I guess I wasn't careful enough.

 

Thank you


freitasm
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  #2421361 15-Feb-2020 11:33
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Don't ASB issue EFTPOS cards anymore? You can use the EFTPOS in retail and use a credit card online (or hotels where it's needed).





 

 

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