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That's why I NEVER do anything other than peruse information.... and go on this forum online.
I can't imagine doing any banking online.
People are too trusting if they believe their personal info is secure....there's always some way to hack it.
Even using it offline carries risks. My debit card was cloned few weeks ago, locally. It was a swipe transaction or three that my bank fingered almost immediately, but they had actually cloned the magnetic strip, and I don't even use my card at gas pumps.
I'll sell my entire identity for $50.00. Here's the fine print:
-Cash only.
-Identity is sold As-Is. The seller is waived from responsibility for any adverse & unfortunate events that may occur to the buyer as a result of assuming the identity, including but not limited to: Those of Financial & Forensic discovery.
-No refunds.
-The fee to return the identity will be $1,500.00. Cash only, prior to & in full is required.
-Any upgrades to identity while in your possession will be retained with identity upon return, including but not limited to: Credit Score & satisfaction of Outstanding Judgments & Warrants.
-Any obligations incurred by the buyer for any ongoing Mental Healthcare services resulting from use of identity, including but not limited to: Addiction, Agoraphobia, Paranoia & PTSD, etc ... Will remain the responsibility of the buyer.
Even using it offline carries risks. My debit card was cloned few weeks ago, locally. It was a swipe transaction or three that my bank fingered almost immediately, but they had actually cloned the magnetic strip, and I don't even use my card at gas pumps.
Even using it offline carries risks. My debit card was cloned few weeks ago, locally. It was a swipe transaction or three that my bank fingered almost immediately, but they had actually cloned the magnetic strip, and I don't even use my card at gas pumps.
Mine was cloned at a gas pump. I have stopped paying at the pump. I go inside. The gas station where my card was cloned at no longer accepts credit and debit. I wonder if the CC company revoked their privileges? I know I'm not the only one who's card got skimmed at that store.
FYI..your going on-line or not makes no difference to most hackers...they hack the financial institution..not your computer.
Exactly. Most hacking jobs involve breaking into a database and stealing thousands of accounts at one time. I don't get where people think not banking online insulates them from this, it isn't like the bank keeps folders with paper account statements in some big warehouse for those customers who choose to not bank online.
Something easy to do is set up multi-step authentication. To log into my bank online they send a 4 digit code to my phone, which I type in to access my account online. Foolproof? Of course not. But makes for fruit that isn't as low hanging, since they now need to have my phone in addition to a stolen/cracked password. Many banks you can set up alerts for transactions, I get a text for every single one. If someone cloned my credit card I'd know within a few seconds of them using it and I'd cut it off, limiting damage.
Technology has advantages and disadvantages in the world of fraud.
FYI..your going on-line or not makes no difference to most hackers...they hack the financial institution..not your computer. You use a credit card on-line..could be bad. You use a credit card in a restaurant that has an online presence..could still be bad.
A person could be totally without any online presence and still get screwed. Although the odds are greatly lessened.
The main B of A office for the southwest region was hacked a few years ago. It does happen.
I remember seeing something on TV about how gas pump credit card functions are hacked. I guess I should stop using my card to buy gas? I only started using it a year ago, to rack up more points on my card.
Alot of these hacks are the faults of these big comapnies, as someone who is in IT , ive seen many times with Govt, Banks, Airlines etc, in which their Servers, Storage Arrays, or Switches are way out of date on patches or firmware, simply because they have a, if it aint broke ...im not touching it mentality, they cant risk the 20 minute downtime for a firmware update, or something went wrong during a update years back and they dont want to take that chance, so the end result is a out of date configuration and hackers see a vulnerability somewhere whether though JAVA, etc and just attack or 1 component fails and takes down everything else.
Even AA recent IT meltdown could have been avoided if their IT team was monitoring their system more closely. These Equifax leaks dont help any of his either.
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