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  # 444260 28-Feb-2011 21:21
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Niel: 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.


this software still exist? i dont buy that last sentence 





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  # 444282 28-Feb-2011 22:17
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is this a joint card? if so have you checked with the other party's usage history? you're making me scared! (but yeah as @freitasm said we live in this day and age where it could happen to anyone so maybe a bit of bad luck)

trust no one!




Involuntary autocorrect in operation on mobile device. Apologies in advance.


 
 
 
 


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  # 444283 28-Feb-2011 22:26
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just a side note, is it normal for a card to renew and have the same numbers as the last? This happened with my westpac debit card. Whats the point of having an expiry date if it doesnt really expire?




Bachelor of Computing Systems (2015)

 

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Late 2013 MacBook Pro with Retina Display (4GB/2.4GHz i5/128GB SSD) - HP DV6 (8GB/2.8GHz i7/120GB SSD + 750GB HDD)
iPhone 6S + (64GB/Gold/Vodafone NZ) - Xperia Z C6603 (16GB/White/Spark NZ)

Sam, Auckland 


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  # 444310 1-Mar-2011 06:44
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tardtasticx: just a side note, is it normal for a card to renew and have the same numbers as the last?


yes it is normal 





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  # 444355 1-Mar-2011 10:19
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tardtasticx: just a side note, is it normal for a card to renew and have the same numbers as the last? This happened with my westpac debit card. Whats the point of having an expiry date if it doesnt really expire?


The card itself does expire. The new card has both a different expiry and normally a changed CCV - the correct expiry and usually CCV are required to effect a successful transaction.

For many online purchases I use a service called Entropay which allows creation/destruction of virtual VISA cards - acts as another protection against fraud. They do charge significant fees when transferring money onto the cards etc... and I'm not recommending it to anybody as such but personally I do find it useful.



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  # 444389 1-Mar-2011 11:23
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joker97: is this a joint card? if so have you checked with the other party's usage history? you're making me scared! (but yeah as @freitasm said we live in this day and age where it could happen to anyone so maybe a bit of bad luck)

trust no one!


Yes it is a joint card.  I have no quarms about the fraud itself, as I said, Westpac have fraud detetction in place... and they haven't charged me for these rogue purchases this time, or the last.

Its just a pain in the a$$ to change my recurring payments each time... for the sake of reward points & sinlge credit card payment each month.




Cheers, Stevo

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  # 444391 1-Mar-2011 11:31
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stevonz: Its just a pain in the a$$ to change my recurring payments each time... for the sake of reward points & sinlge credit card payment each month.

I gave you a solution to that problem.

 
 
 
 


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  # 444394 1-Mar-2011 11:47
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PenultimateHop:
stevonz: Its just a pain in the a$$ to change my recurring payments each time... for the sake of reward points & sinlge credit card payment each month.

I gave you a solution to that problem.

Doesn't an additional card cost more, say, $30 a year or so?  Is it worth it?

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  # 444396 1-Mar-2011 11:52
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bazzer:
PenultimateHop:
stevonz: Its just a pain in the a$$ to change my recurring payments each time... for the sake of reward points & sinlge credit card payment each month.

I gave you a solution to that problem.

Doesn't an additional card cost more, say, $30 a year or so?  Is it worth it?

Calculate how annoying it is when this happens and whether $30 is reasonable in insurance. And if your bank is charging you $30 anyway, get a new bank that doesn't.

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  # 444448 1-Mar-2011 13:59
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PenultimateHop:
bazzer:
PenultimateHop:
stevonz: Its just a pain in the a$$ to change my recurring payments each time... for the sake of reward points & sinlge credit card payment each month.

I gave you a solution to that problem.

Doesn't an additional card cost more, say, $30 a year or so?  Is it worth it?

Calculate how annoying it is when this happens and whether $30 is reasonable in insurance. And if your bank is charging you $30 anyway, get a new bank that doesn't.

There are banks that don't charge for additional credit cards?  I would say changing banks is a bigger hassle too!

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  # 444450 1-Mar-2011 14:02
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bazzer: There are banks that don't charge for additional credit cards?  I would say changing banks is a bigger hassle too!

Amex don't charge for supplementary cards on a number of their card products. I believe Westpac didn't on the Titanium card product but I don't recall exactly. ASB has been negotiable in the past. HSBC don't charge.

You don't have to have a credit card from your bank.

Obviously it's up to the end user to decide, but this strategy works well.

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  # 444452 1-Mar-2011 14:11
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drajk: For many online purchases I use a service called Entropay which allows creation/destruction of virtual VISA cards - acts as another protection against fraud. They do charge significant fees when transferring money onto the cards etc... and I'm not recommending it to anybody as such but personally I do find it useful.


He mentioned being with Westpac, which would rule out Entropay.  Every single attempt to top up your Entropay account for WBC customers requires attempting the top up, being declined, waiting for the Westpac fraud screening team to call you, then confirming that yes, it was you, and having them manually force an approve on your next transaction to them - because Westpac had issues with people using Entropay for nefarious purposes.  A real pain in the ass.

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  # 444483 1-Mar-2011 15:47
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A bit off topic, but do EntroPay gives out credit card numbers equivalent to the country you select as your residence?





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  # 444499 1-Mar-2011 16:59
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freitasm: A bit off topic, but do EntroPay gives out credit card numbers equivalent to the country you select as your residence?


The ones I have are in GBP - I can't remember whether there was a choice re account currency.

As far as usage goes I seem to be able to use them with my NZ addresses fine - I have never been rejected because the card number originates from UK while I have a New Zealand address - in fact while each card has a card name it doesn't appear that this is checked for approval - only card number, expiry and CCV appear to be required.

The use of a GBP card may incur extra charges if purchase currency is different (e.g. USD or NZD) but I like the security of not providing a physical card number to some merchants. Generally the merchants I use Entropay with are already offering significant discounts so I don't overly mind a small cost in using an Entropay card. One of the things I like about funding my Entropay cards is that I can choose for the funding transaction to be billed at a predetermined NZD figure and so I don't get currency conversion surprises in terms of the deposits.

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  # 444500 1-Mar-2011 16:59
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freitasm: A bit off topic, but do EntroPay gives out credit card numbers equivalent to the country you select as your residence?



I like where you are going with that line of thinking.

/not a fan of regional pricing by certain publishers on steam and amazon.

Only a few publishers do this, but here is particularly retarded example... $30 USD difference in price!
http://store.steampowered.com/app/8930/?cc=NZ
http://store.steampowered.com/app/8930/?cc=US

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