Beware: "Credit Card Cloning"

[boybi]

shadow, if your CC was cloned, definitely it will not bear the same signature as yours. The signed CC receipt will also be not the same as yours. With this as proof, the CC company should not charge you with the said purchase(s). Pero ibang usapan if nawala mo CC mo and then someone else used your CC before you found out na nawala nga CC mo and reporting to the CC Co. of your lost CC. Mahirap i-prove na hindi nga ikaw yung gumamit ng CC especially kung madali i-forge ang signature mo.

[shadow]

Citibank ba safe?

any company naman pwede nila ma "skim" kasi kahit anong bank pa yan i swipe lang nila sa device nila..makuha na nila lahat ng details, then gawa na sila ng copy ng CC, then gamitin na nila....

experience ko naman sa citibank around 5 yrs ago is they called me and said that they think na duplicate yun card ko and isuspend muna nila tapos they will just send me the new card ...iniba na nila yun last 4 digits ng CC number ko sa new card....

[AnuVaYan]

shadow, if your CC was cloned, definitely it will not bear the same signature as yours. The signed CC receipt will also be not the same as yours. With this as proof, the CC company should not charge you with the said purchase(s). Pero ibang usapan if nawala mo CC mo and then someone else used your CC before you found out na nawala nga CC mo and reporting to the CC Co. of your lost CC. Mahirap i-prove na hindi nga ikaw yung gumamit ng CC especially kung madali i-forge ang signature mo.

Kung kakuntsaba yung mga waiters or kung sino man, pwede din silang maka kuha ng kopya ng signature mo.

e kung gawin kayang sop na kailangan mag present ng valid id kasama ng credit card, would it be of any help kaya? kaso syempre yung iba naman iisipin hina hassle sila.

[shadow]

shadow, if your CC was cloned, definitely it will not bear the same signature as yours. The signed CC receipt will also be not the same as yours. With this as proof, the CC company should not charge you with the said purchase(s). Pero ibang usapan if nawala mo CC mo and then someone else used your CC before you found out na nawala nga CC mo and reporting to the CC Co. of your lost CC. Mahirap i-prove na hindi nga ikaw yung gumamit ng CC especially kung madali i-forge ang signature mo.

tama, pero it will still take time, mahaba pa rin na process yan..

btw, pyun ibang syndicate meron kasabwat sa loob ng bank...parang dito ko rin yata nabasa yun blog ni bubbles paraiso...about doon sa nangyari sa CC niya...

anyway, yun sa kanya naman obvious na meron insider....ito yun story basta one day she noticed na nawala yun card niya and she immediately reported it to the bank..thinking na nanakaw yun so diba dapat suspended na yun and any purchases made sa card niya hinde na dapat ma-approve......so after a few days daw she found out na yun card pala niya is nahulog lang niya sa floor ng car niya...so it means hinde nawala/nanakaw...but when her statement came meron mga purchases/activities yun CC niya, eh sino gagamit nun nareport na nga na nawala pero hinde naman pala nawala...in short meron insider sa CC company niya...citibank naman yata yun CC niya....

[Galactus]

Problem is kasi, most salesclerks don't bother to verify the signature sa likod ng card. There have been times pa nga na ako pa mismo nagsasabi sa salesclerk kung hindi mo ba iche-check yung signature ko kung tama.

Ang maganda pala sa Citibank, may option ka to put your photo sa card mismo, kaya madaling ma-verify kung ikaw talaga ang cardholder (not unless your face has changed, hehehe). Kaya lang, in my case, 1996 pa rin yung picture ko, hanggang ngayon, yun pa rin ang nakalagay. Citibank has also not prompted me to update my photo.

Re: BPI embedded chip pala, I got this insider info. Bale wala yung chip na yun, kasi hindi pa nagpakalat ang BPI ng chip reader sa mga merchants. Which is why may magnetic stripe pa rin. So ingat na lang.

[shadow]

Kung kakuntsaba yung mga waiters or kung sino man, pwede din silang maka kuha ng kopya ng signature mo.

e kung gawin kayang sop na kailangan mag present ng valid id kasama ng credit card, would it be of any help kaya? kaso syempre yung iba naman iisipin hina hassle sila.

oo nga eh, I heard nun isang araw yun CCAP president or spokeman yata nila sa DZBB, kahit daw yun meron picture sa CC, hinde rin daw 100% na security feature yun, dahil yun iba daw syndicate, eh aawayin yun cashier pag sinabi na mukhang hinde siya yun nasa picture sa CC, so siyempre matatakot yun cashier and will allow the purchases....

[shadow]

yun pang swipe ng mga sydicato ang nakakatakot eh, maliit lang sobra yun eh, parang modified na swipper lang yun katulad ng mga ginagamit sa mga offices doors...

[AnuVaYan]

Ito yung mga instances na nakakatakot kapag sobrang taas ng credit limit mo. E paano kung ang lumabas sa investigation e hindi walang sapat na ebidensiya na na clone yung card mo? Yari ka. Parang yung utol ko, credit limit niya ay 3X ng gross income niya, sabi ko nga sa kanya kahit na malaki limit niya, hwag siyang gagastos ng mas malaki sa kaya niyang swelduhin.

[BlueBimmer]

well last time na gumastos ako ng malaki almost 40k in one day (baby supplies, grocery stuff n misc stuff), BPI called me up through my cellphone to confirm my purchases, now that is the best security, para kung may erratic spending patterns, mahuhuli agad nila.

ok talaga BPI

[hahnvin]

this is so 10 years ago. ngayon lang nadiscover ng nbi yan? hindi ganun kahirap gumawa nyang device na yan even way back. kaya nga sa ibang bansa hindi na magnetic strip ang ginagamit.

this only shows na huli talaga tayo sa advancements in banking and finance