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How to find out how my credit card details were stolen?
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<blockquote data-quote="brigantes" data-source="post: 891806" data-attributes="member: 88084"><p>OP is in Israel if anyone had bothered to look. 300 ILS = 300 Shekels.</p><p></p><p>Why does everyone assume English posters are American ?</p><p></p><p>The most prudent and safest online purchases are made using either gift cards or by using an isolated bank account that you have to physically make cash deposits into it to fund it for purchases. The balance should always be near $0 until such time that you need to make a purchase.</p><p></p><p></p><p></p><p>Many people are ignorant of what this protection really is. Most people believe this to be true, but it isn't provided by the bank or institution that issued the card. It is MasterCard, VISA, AMEX or others that provide the actual "card benefit," but all of it is at their own discretion according to their own rules. The higher the dollar amount lost, the greater the likelihood that they will place a heavy burden of proof onto the cardholder. For example, if you report a 50,000 Euro fraudulent transaction, they are going to demand a police investigation. If the police turn up zero evidence that it was fraudulent, then they are going to reverse the transaction and put it back onto the cardholder. Let's say that the fraud was perpetrated in a country in which your police can get no assistance from the authorities in that country, and an explanation is demanded by the bank. If an explanation from the "fraudulent" party sounds legit, then they are going to side with the fraudsters and you are going to be charged 50,000 Euros. It happens every day. These anti-fraud protections are not automatic and they sure are not guaranteed.</p><p></p><p></p><p></p><p>You cannot harden that which you do not own nor have any control over. A person's data is spread across countless systems across the world. No amount of hardening by the person shall prevent data theft from those systems.</p></blockquote><p></p>
[QUOTE="brigantes, post: 891806, member: 88084"] OP is in Israel if anyone had bothered to look. 300 ILS = 300 Shekels. Why does everyone assume English posters are American ? The most prudent and safest online purchases are made using either gift cards or by using an isolated bank account that you have to physically make cash deposits into it to fund it for purchases. The balance should always be near $0 until such time that you need to make a purchase. Many people are ignorant of what this protection really is. Most people believe this to be true, but it isn't provided by the bank or institution that issued the card. It is MasterCard, VISA, AMEX or others that provide the actual "card benefit," but all of it is at their own discretion according to their own rules. The higher the dollar amount lost, the greater the likelihood that they will place a heavy burden of proof onto the cardholder. For example, if you report a 50,000 Euro fraudulent transaction, they are going to demand a police investigation. If the police turn up zero evidence that it was fraudulent, then they are going to reverse the transaction and put it back onto the cardholder. Let's say that the fraud was perpetrated in a country in which your police can get no assistance from the authorities in that country, and an explanation is demanded by the bank. If an explanation from the "fraudulent" party sounds legit, then they are going to side with the fraudsters and you are going to be charged 50,000 Euros. It happens every day. These anti-fraud protections are not automatic and they sure are not guaranteed. You cannot harden that which you do not own nor have any control over. A person's data is spread across countless systems across the world. No amount of hardening by the person shall prevent data theft from those systems. [/QUOTE]
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