Hacking Personal Details

[MullumMiss]

Currently here downunder many major corporations are being hacked of their customers personal details. The ramifications are starting to evolve.  So far we personally have not been affected.  However,  yesterday when I tried to pay my car registration online my credit card was declined.  I tried a couple of times.  With the “hacking” situation on my mind I was worried so immediately checked our card account.  Our card had been “hacked” alright and someone in Dan Antonio Tx was having a good time using it.   Thankfully the bank picked it up and put the card on hold with the exception of 1 transaction that went through.  Gratefully here the banks like to be notified when we travel overseas so when they see transactions they know it is us using the card.  So if this happens and there are no indicators saying we are overseas they flag the card and put it in hold.  Phew for us.  I have now decided to checked all our bank accounts each day.  Plus up until this week our pc was on 24/7 and I have now decided to only turn it on when I use it.  

[Tronora]

What a terribly stressful situation. Glad to hear the bank was (almost fully) on top of things.

 

Sending you hugs  

[hatcheckgirl]

Oh no Linda! 😭. This is going to be hard to navigate through. I have been notified that I was one of the millions breached. So far no suspicious activity, but I will be more vigilant. It’s all part of this stressful rough ride till the end. Hoping you aren’t affected any worse. 

[Miss Bea]

Living in this system stressful. Just what we can see. I try not to give thought to what I can’t see. As this sort of thing. How do you protect yourself? 
Well, this is how. Just trust Jehovah to get up us through this. 
“Come, Lord Jesus. Come”

[Sheep]

Hacking cards is becoming more and more "normal" as we get closer to the end. Times are difficult for all, including the hackers, and so they try to think of new, inventive ways to make their situation less difficult... which obviously includes making our lives more difficult. It is good that the banking institutions and card issuers are becoming more proactive at keeping an eye on unusual-looking transactions, and stopping them before they become a real problem for us.

 

In the last short while, my credit card's fraud department has called me several times to warn me of transactions that don't look right. But of course, these calls are really from hackers trying to get hold of my personal details.

 

Be very careful all of you, my friends! So-called anti-fraud departments are the source of many of the frauds.

 

Edited November 11, 2022 by Sheep

[Pabo]

That is why I have a bank account with 2 different banks. I am very much old fashioned, but it is one of the best ways to minimise any risk of potential fraud and theft.

 

One bank receives my pay and I withdraw either cash or pay bills by cheque or by using eftpos, and it does not have internet banking or phone apps attached to it. I get my monthly bank statements sent to me by mail.

 

The other bank has only a small amount of cash balance in it. When I need to pay bills online, and that I have any monthly direct debts in place, or wish to purchase something from an online website, I go to the first bank and withdraw the cash that I need for that bill and then deposit it it into the second bank. When I get to back to the office, I then pay the bill using the various methods (BPAY, Visa or Paypal) that I am needing to pay. Or if I am going somewhere where there is a risk of being scammed with my card (dodgy ATM's or vendors) I use this card, as if they want to get too much money, they will be lucky to get $50 at the most. I do have access to this account on my phone, but only to check the balance or to do the BPAY payments. But I disabled the ability to use my phone as a pay wave device. But I rarely ever log onto the website of this bank. I do get monthly statements sent to me by mail for this account too.

 

It may mean some little bit of running around, but these two banks are across the road from each other, so it is nothing for me, as I generally walk down to these from the office and back again. Takes me about 20 minutes and do a 2.5 km walk as well.

 

I was even questioned by the second bank about what I do with this account, as they find it somewhat strange, especially when I only wanted to have a very low limit of $250 to be available to use for direct debit. I said the the staff, "If someone rings this branch and wants to transfer money from another account into this account, as I do not have another account with this institution, it should trigger that someone is impersonating me and you should immediately know something is amiss." The agreed that it was a good way to protect yourself electronically.

 

Sadly, these two banks that I use are now merging, so I am looking at how to minimise any risk potential, as we are somewhat limited in choice, as most of the other banks charges fees, whereas the two I use do not.

[Tortuga]

3 minutes ago, Pabo said:

That is why I have a bank account with 2 different banks.

I have two bank accounts and a credit union account. I use one bank for all of my automatic deposits and payments. I regularly transfer money out of that bank to the other two accounts so I maintain a low balance in the active account.