Credit Card was cloned, and i think i know where

Forums › Off topic › Credit Card was cloned, and i think i know where

sud0

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#284187 6-Apr-2021 11:56

Yeah... it sucks! Kiwibank automatically declined and blocked those transactions. I don't often use my Credit Card, but just a few days later I made a purchase in a Bed store here in Auckland and made the payment over the phone. That must've been where it got cloned!

Kiwibank says they'll investigate it, but they wouldn't get in touch with me with more information unless they needed more info from me.

All good though.. just wanted to share it! :)

[Mod edit (MF): removed business name as there's no confirmed evidence of that yet]

Lucas

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#2687149 6-Apr-2021 13:18

How do they clone it over the phone?

freitasm

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#2687152 6-Apr-2021 13:19

Someone copies the details and passes to another person who uses the numbers online?

boosacnoodle

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#2687167 6-Apr-2021 13:37

Wrote it down and didn't dispose of / store it correctly. I never give card over the phone for this reason.

sud0

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#2687192 6-Apr-2021 13:50

boosacnoodle:

Wrote it down and didn't dispose of / store it correctly. I never give card over the phone for this reason.

Yeah... lesson learnt!

Lucas

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#2687260 6-Apr-2021 14:30

sud0: I don't often use my Credit Card, but just a few days later I made a purchase in a Bed store here in Auckland

A few days earlier?

jpoc

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#2687549 6-Apr-2021 20:46

I cannot imagine that the bank will do anything.

The privacy commissioner might.

If you give your card details to a merchant they have a legal duty to take care of it to a standard that means that you will not face this trouble.

alasta

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#2687552 6-Apr-2021 20:50

Many years ago I was the finance manager within a business where the call centre staff would process credit card payments over the phone.

One evening myself and the general manager stayed behind after everyone else had left and we went through all the rubbish bins to see if any staff had written down credit card details and then thrown them in the bin. Needless to say, more than a few staff got a bollocking from us the next day for not following policy.

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sbiddle

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#2687554 6-Apr-2021 20:55

Batman: How do they clone it over the phone?

Those transactions are all online / card not present. So not necessarily and physical card cloning / skimming.

I just still don't understand why banks in NZ can't offer virtual card numbers..

aspett

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#2687576 6-Apr-2021 21:44

sbiddle:

Batman: How do they clone it over the phone?

Those transactions are all online / card not present. So not necessarily and physical card cloning / skimming.

I just still don't understand why banks in NZ can't offer virtual card numbers..

Wise (formerly TransferWise) offer virtual cards now.

FPR

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#2687594 6-Apr-2021 22:07

I have always needed to use my cvv number when buying stuff on line.

Did you give out your cvv number from the back of the card when making the phone payment?

isn't that like handing out your pin number a big no no.

Linux

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#2687597 6-Apr-2021 22:09

FPR:

I have always needed to use my cvv number when buying stuff on line.

Did you give out your cvv number from the back of the card when making the phone payment?

isn't that like handing out your pin number a big no no.

cvv can be given out

Kyanar

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#2687616 7-Apr-2021 00:33

FPR:

I have always needed to use my cvv number when buying stuff on line.

Did you give out your cvv number from the back of the card when making the phone payment?

isn't that like handing out your pin number a big no no.

Most MOTO (Mail Order Telephone Order) virtual terminals require the CVV to be provided. The card networks require that either the CVV not be provided, or that it be correct. It cannot be provided but wrong.

The merchant is forbidden by PCI DSS to actually store the CVV though.

Lias

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#2687621 7-Apr-2021 06:22

Kyanar:

The merchant is forbidden by PCI DSS to actually store the CVV though.

I'd love to know how many places are actually fully PCI DSS compliant (by way of independent audit, not self reporrting). To quote my former manager at a mutli-billion turnover retailer "Have you SEEN those requirements.. we will NEVER be compliant"

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