So I lost my wallet today, /g/. Of course, I cancelled my cards and all that, no issue, but it got me thinking. Say I hadn't noticed. What would prevent a crook from, say, disguising themselves, using my card at a lonely ATM (or a bank ATM at night), simply withdrawing some cash, and heaving the card in the ditch? That's kind of a spooky loophole!
>>55546254
Just be poor instead.
Then you can't lose any money.
they need your pin to withdraw money from an ATM?
>>55546289
Also most ATM's take your picture, or have always running video.
>What could prevent
Your pin?
I'm kind of pissed off that Google closed their Wallet card shit.
I had automated weekly transfers set up from my bank account. I never carried my debit card, or used it for virtually anything. Everything was done on the Google card. It helped me budget, and safeguarded me from theft. If I lost my wallet, or had my information stolen online, then the most I could lose was the balance of the card, not to mention it sent me a text every time a transaction took place.
Does anyone know of any similar alternatives?
I don't want a credit card, and I don't want to use my debit card for online purchase, or common day to day transactions at the gas station, etc.
>>55546289
Let's say, in a hypothetical world, they nick a card and the user has a dumbass pin, like "1234".
>>55546320
Wouldn't the cameras be fairly easy to beat? A beater jacket, gloves, sunglasses, and a neck warmer/balaclava/hat/whatever?
>>55546459
it was free?
you could use a prepaid credit card like neteller
>>55546254
what is a pin number
>>55546564
yeah, 100%, and had a good app that went with it. now all they offer is tap to pay, which isn't even widely in use
>>55546486
I suppose in a worst case scenario, where they
>Have your card
>Know the pin
>And have a proper disguise (not sure how you'd beat modern cameras, though)
Then it's possible they could access your money. But most banks will simply refund fraudulent transactions.
>>55546678
none of this shit matters, though.
your focus should be securing your funds, and safeguarding yourself against fraud, and the theft of your funds or identity. who cares whether some shitbird gets caught or not. that's for the police, your focus should be on prevention.
1. Buy a $5 USB stick. Create a Live USB linux installation and boot from this drive to do any online banking. This bypasses any malware or keyloggers that might be installed on your system. Also ensure you're you're connecting through your banks legitimate banking portal, not a fraudulent site. Also, never connect through a network that you don't control. Use a VPN if this is required. Always use two-factor verification where available and never make the answers to your security questions actually relevant to the question. Example: Q: "What was your mother's maiden name?" A: "North Carolina"
2. All pins and passwords should be randomly generated.
3. All receipts or documents with any personal information should either be shredded or destroyed, or stored in a secure location.
4. Never give out any personal information online or over the telephone. If someone asks you for this information, use your brain. In the few cases where there's a legitimate reason for this to occur, you should be absolutely sure you're dealing with the actual party, and not an imposter. This could determined by something as simple as asking them if there's a number you can call them back at, then checking out that number.
5. Don't use your debit card for online purchases. Ever.
6. Request and review your credit report statements every 6 months. The US gov forces the big three reporting agencies to provide this service for free.
7. When you choose a bank, make sure it's FDIC insured.
8. Consider opening a second bank account and making small deposits into it, then using this account for your day to day transactions. If one of your transactions is somehow compromised, they're getting access to your secondary account with your pocket money, not your main bank account.
9. Pay attention to billing cycles and recurring reports. If your account has been compromised, the thieves may have requested for your account to receive these less frequently.
>>55546921
What is the recommended way for online purchases to be made?
>>55547949
Credit card, or prepaid card.
>>55546254
On the pin discussion, they don't neef to guess.
With a bit of packet interception you can snatch the pin remotely from any wireless ard reader in shops. A group at Cambridge developed a 0-tamper method to do this. It makes it a 2 step process but that's still something.
Near-field adss new vulnerabilities too, especially if used for cash back in store.
>>55547949
For buyer protection, credit card. Paypal also adds purchase-level security, but makes available a lot of information.
>>55546254
I am truly sorry for your lots. I carry my bank card only to withdraw cash, and everything else (mostly online) is on prepaid debit. Then if I lose my wallet or account numbers (as in a hack) the thief has access to limited funds.
>>55546289
The card by itself is enough to commit fraud, and five minutes on social media can usually get a street address and DOB.
>>55546921
idiotic waste of time
>>55548209
says the man with $18.24 in his checking account
>>55548289
So are you a Freudian or a Jungian case?
>>55548345
>>55546459
simple.com is a similar concept.
My bank lets me know instantly when something is bought using my debit card and if it wasn't me or something I authorized I can block the card and change the pin in the app.
>>55548379
Freudian
>>55546678
I'm also curious. Say I find a card, and the owner has stupidly taped a piece of paper with the pin on it to the back. What are the odds of getting caught if I literally just walk in after-hours all disguised to hide my face/build and withdraw money and disposed of the card afterwards?
I mean, that's a perfect storm of bullshit, but I am curious.
>>55548497
what if you lose your wallet and your phone?
>>55548661
what if you lose the game?
>>55546921
>never connection through a network that you don't control
Is it unwise to do banking on my mobile network?
>>55548616
they try to identify you by appearance. local authorities might post surveillance footage image online, or submit them to local journalists for help in identifying you.
>>55548708
no. it's suggested. not foolproof, but generally very safe.
>>55548710
Makes sense.
>Tfw 99% of surveillance caps in local paper show literally no attempt at hiding their identity, aside from the odd baseball cap
You'd think people who go through the trouble of smashing into a casino to nick an entire ATM would at least invest in a balaclava or one of those middle-eastern headscarves.
>>55548685
what if you lose your wife
Most cards these days are some form of credit/debit. Launder the money through bitcoin, if you stole their wallet, chances are their address is on the drivers licence.
>>55548805
I don't really know what to reply to that. Kek.
njoy my 0.00$ in the fucking bank FAGGOT
>>55546254
They can basically use your card on ebay to buy any shit they want and get it sent to a PO box paid for in bitcoins. If someone really wants to fuck you up, they will.
>>55547949
debit or credit card with full fraud protection, prepaid card for anonymity
>>55548805
Then I fucking need to take care of her son...
>>55546254
That's why pins and daily withdrawal limits were invented.
>>55548451
I had the opportunity to meet the simple devs in portland. Nice people, good concept.
>>55546254
>What would prevent a crook from, say, disguising themselves, using my card at a lonely ATM (or a bank ATM at night), simply withdrawing some cash, and heaving the card in the ditch?
Aside from your PIN code ? Nothing.
