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stevonz

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#78138 28-Feb-2011 11:27
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Hi,

Got another call from Westpac Fraud Detection last night.  Apparently our card had been used (or attempted) in the US... we had this happened to us around 4 months ago and had that card cancelled.

So... new card... even new card type and we've got fraud detected again?

I don't know how they're getting our card details. 

We have a firewall on all our PC's.  We have up-to-date anti-virus running on our PC's...

Can anyone reccomend a good software porduct to detect if we've been infected with a key-logger?

We're vodafone users, so maybe our CC details got leaked from there??

Is it worth calling in a technician to run some diagnostics?




Cheers, Stevo

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davidcole
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  #444084 28-Feb-2011 11:54
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Are you, or have you used the card online?

We have a household card that is not used anywhere on the internet.  And smaller limit personal cards that are.

I implemented this after finding a Maccau based Airline on our credit card.

Also you sure it's WBC that is calling you? I thought there was a phishing scam that was similar to this.




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stevonz

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  #444090 28-Feb-2011 12:07
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davidcole: Are you, or have you used the card online?

We have a household card that is not used anywhere on the internet.  And smaller limit personal cards that are.

I implemented this after finding a Maccau based Airline on our credit card.

Also you sure it's WBC that is calling you? I thought there was a phishing scam that was similar to this.


I am a frequent buyer of online goods...

I'm covered in terms of fraud, just a pain to cancel the cards each time, and then go through all the utilities companies that I pay voa CC...

Yes, its WBC.  Do you know someone else who can cancel my card?




Cheers, Stevo

Lurch
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  #444092 28-Feb-2011 12:10
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Do you use paypal? Have switched to using paypal, makes it easy to pay for stuff especially through ebay and hides the credit card details from whom you are purchasing stuff off.

Only downside to paypal is the follow up service, found this out when my logon stopped working for 3 weeks or so.

Anyway thats a different story :)



davidcole
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  #444094 28-Feb-2011 12:12
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stevonz:

Yes, its WBC.  Do you know someone else who can cancel my card?


No it was more the initial call if they're ringing you to tell you about fraud - unless you rang them.  Your OP implied they rang you.




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PenultimateHop
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  #444095 28-Feb-2011 12:13
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Your card number could have been lifted from any merchant you use, online or not.  It happens. Most likely is a compromised online store; but it could be simple as a generated card number that happened to be yours.


stevonz: I'm covered in terms of fraud, just a pain to cancel the cards each time, and then go through all the utilities companies that I pay voa CC...

Pro-tip: use a different card for recurring payments, even if it's simply an additional card on the same account issued to yourself. This saves much pain when canceling a compromised day-to-day card.

stevonz

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  #444097 28-Feb-2011 12:23
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davidcole:
stevonz:

Yes, its WBC.  Do you know someone else who can cancel my card?


No it was more the initial call if they're ringing you to tell you about fraud - unless you rang them.  Your OP implied they rang you.


They did ring me.  They don't ask questions like what is your PIN...

But they do go through recent purchases to determine what is legitimate and which are fraudulent...  THEN we approve cancellation of card.




Cheers, Stevo

johnr
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  #444110 28-Feb-2011 13:12
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My parents have had no issues and they have all services with Vodafone for many years


 
 
 

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stevonz

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  #444155 28-Feb-2011 15:16
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johnr: My parents have had no issues and they have all services with Vodafone for many years



Cool Hi Johnr, my comment was tounge-in-cheek... some of my best friends use vodafone too




Cheers, Stevo

johnr
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#444156 28-Feb-2011 15:18
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stevonz:
johnr: My parents have had no issues and they have all services with Vodafone for many years



Cool?Hi Johnr, my comment was tounge-in-cheek... some of my best friends use vodafone too


All good no worries

freitasm
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  #444161 28-Feb-2011 15:30
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stevonz: I am a frequent buyer of online goods...


Could be any retailer then... Deal with it now, live with it. Modern times.

I don't think firewall and anti-virus software alone will protect you (although you should have those), but remember, if you give your credit card out to a retailer (online or not), the number is out of your control after that point. Bad people don't even have to worry about your PC, if they can break into a single server and get hundreds of thousands of numbers...

 




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ajobbins
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  #444175 28-Feb-2011 16:28
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PenultimateHop: Your card number could have been lifted from any merchant you use, online or not.  It happens. Most likely is a compromised online store; but it could be simple as a generated card number that happened to be yours.


Actually online card fraud is the minority (That is, details obtained by you shopping online at a dodgy site or with a compromised PC). Card data theft is still much more likely in phone or physical situations.

I feel much safer about buying a pizza online and paying with my credit card than going to the shop and paying in person with the same card.

The biggest misuse of card data comes from guessing, as the LUHN algorithm is predictable. It may just be unlucky this has happened twice in a short period of time.




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PenultimateHop
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  #444179 28-Feb-2011 16:34
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ajobbins:
PenultimateHop: Your card number could have been lifted from any merchant you use, online or not.  It happens. Most likely is a compromised online store; but it could be simple as a generated card number that happened to be yours.


Actually online card fraud is the minority (That is, details obtained by you shopping online at a dodgy site or with a compromised PC). Card data theft is still much more likely in phone or physical situations.

I'm not totally sure I buy that any longer given the significant history of card data being lost from databases (often tens of millions of card numbers at a time).  Looking at some of the card trading that goes on in blackhat communities, this does seem to be the easiest way of grabbing large numbers of cards beside skimming ala the Auckland Downtown car parking incident.

To be fair this does happen (breaches) with classic retailers too.

RexHavoc
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  #444186 28-Feb-2011 17:02
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FYI: if an online shop is 'Verified by Visa' then they do not get to see your Credit Card details.

Niel
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  #444239 28-Feb-2011 20:23
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I highly recommend Spybot Search & Destroy. Just Google it. It is so good that some anti-virus applications deliberately flag Spybot as spyware, it is a threat to their revenue.




You can never have enough Volvos!


johnr
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#444241 28-Feb-2011 20:26
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Malwarebytes.org

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