How to use Canadian Visa at U.S. gas pumps? - Page 2 - Fiberglass RV


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Old 01-21-2014, 08:15 PM   #15
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posted today on yahoo

By Karen Freifeld
NEW YORK (Reuters) - Thirteen people were indicted for swiping credit card and ATM information from gas pumps in Texas, Georgia and South Carolina, and using the data to steal more than $2 million using ATMS and banks in New York, Manhattan District Attorney Cyrus Vance Jr. announced on Tuesday.
Members of the alleged identity theft ring installed Bluetooth-enabled skimming devices at the pumps so the data could be retrieved without removing the devices, Vance said.
The case is the latest evidence of credit card skimming at gas stations. Similar scams have been reported across the United States, in states including Florida, Oklahoma and Utah.
In the New York case, the stolen data was encoded onto forged cards used to withdraw cash at ATMs in Manhattan, Vance said in a statement.
The cash was then deposited into bank accounts enabling others to withdraw the money from banks in California and Nevada, the statement said.
"These defendants are accusing of fueling the fastest growing crime in the country," Vance said in a statement.
Four of the defendants were first charged in March: Garegin Spartalyan, 40, Aram Martirosian, 34, and Davit Kudugulyan, 42, all of Las Vegas, and Hayk Dzhandzhapanyan, 40, of Whittier, California.
Two of the men were arrested inside ATM vestibules while withdrawing money from victims' checking accounts, authorities said.
Lawyers for the men declined comment or could not be reached for comment.
(Editing by Eric Walsh)
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Old 01-21-2014, 09:27 PM   #16
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Most of the time, just by observation a "Skimmer" can be spotted, avoided and reported to the local police (not the store, it may be an employees)

Google "What does a skimmer look like" and earn your own B.A. in Skimmerology
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Old 03-06-2014, 03:41 PM   #17
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Quote:
Originally Posted by Cam A View Post
Requires you to enter 5 digit zip code, 6 digit postal code not accepted. Any work-arounds?
last fall in Utah, Nevada, Montana and Arizona I simply put in a random 5 digit number, and had no troubles with the credit card being accepted at the pumps.
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Old 03-06-2014, 04:14 PM   #18
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Quote:
Originally Posted by Bob Miller View Post
Most of the time, just by observation a "Skimmer" can be spotted, avoided and reported to the local police (not the store, it may be an employees
Not always easy to spot.

I have twice now had my card info used to remove the max allowable cash withdraw for one day out of the bank account tied to it. The good news in each case the bank replaced the stolen funds. :-)

How it was done is they switched out the hand held device in the store. Looks just like the one they replaced. Staff doesn't notice the difference and neither do the customers. But the one the bad guys put in has some kind of wi-fi or bluetooth device built into it that allows the bad guys to capture the card info and pin numbers used. Both times it has happened to me it happened at large chain stores and thousands of people lost funds as I did over the course of only a few days.

As I said the banks did put the funds back into my account but in one of the cases it was a bit of pain as I was traveling and I went to use my card to get some cash from a bank machine and it refused to give me any. The bank had locked up all my bank accounts as soon as they became aware of the problem. Was not able to get the accounts unlock until I returned home and signed off on the police report. Had to get by with only a credit card from a different bank for the balance of the trip.

The above is why you will often see that stores have some type of locking cable attached to their hand held card readers as well as stickers with their store name on the device.
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Old 03-06-2014, 04:33 PM   #19
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Quote:
Originally Posted by Rick G View Post
last fall in Utah, Nevada, Montana and Arizona I simply put in a random 5 digit number, and had no troubles with the credit card being accepted at the pumps.
--------------------------------------------------------------------

That may be a forgiving feature built in by the banks when they see an out off country card.

If I enter an incorrect zip code or even miss my own billing address zip by 1 digit, it kicks it back. At one time I had two different billing address zips, what a pain.
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Old 03-06-2014, 07:05 PM   #20
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Local bank found one of the skimmers had been installed on the ATM in the vestibule of the bank. Was even able to pick up the weak signal of the touch pad when the pin number was entered.

And this is not in a big city, actually it's a village out in the country a good ways yet was still targeted.

Call me old fashioned but I prefer cash, want to steal from me you should at least have to come see me in person so we can "chat" about it.
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Old 03-06-2014, 08:15 PM   #21
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Well the problem is that if you carry cash on shopping trips and have your wallet or purse stolen then the cash is gone and you probable will never know who took it, in order to have a chat.

If you use your bank card instead of carrying cash and someone steals it out of the bank you at least get the cash back from the bank.... not gonna happen with a pick pocket.
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Old 03-21-2014, 06:53 PM   #22
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Have you heard of the Archdiocese of Seattle hacking?

My wife used to work for them and the IRS sent us a letter asking for information on our filed return. Two problems: We haven't filed our return yet, and there was a name with my wife's that we don't recognize.
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Old 03-21-2014, 07:06 PM   #23
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When you get one of those Phishing emails from a "bank" or "IRS", you can, for your entertainment, place your cursor over the link that they want you to click.
Don't click, just place the cursor there, and it will show you the actual address you would go to if you clicked on it.
Some of those addresses are crafted to look like a legit address, but you can tell they are not.
Basically. Delete them all. If it is your bank, they'll send you a letter or phone you. And if they do, you can just say, I'll call you back. Look up the phone number for your local branch and call that. Phone number for credit card is on the back of the card.
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Old 04-19-2014, 10:30 AM   #24
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My experience this winter with the pumps is that most machines would not accept my postal codes and so I soon learned to just go inside and prepay. Even though my visa was an U.S. RBC bank. I found this to be pretty consistent throughout all the states I drove through.

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Old 04-19-2014, 12:08 PM   #25
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I always tried debit card first, which seldom worked. Visa next, with the numbers from postal code followed by zeros, which worked a fair amount of the time. Walking in was always the last resort.
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Old 04-19-2014, 12:37 PM   #26
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The funny part is I prefer to use my debate as it has the higher level of safety on it in regards to how much can be withdrawn against it on any given day. I have been successful in using debate cards with pins on them all over the world for the last 15 to 20 years, assuming the card has a number of different symbols on it indicating it works on many of the banking networks used by banks around the world. I also have no trouble using it at many of the bigger US drive through bank machines to withdraw cash but not on locally run bank machines (i.e. a bank that operates only in one or two states for example). But when it comes to small gas stations and Mom and Pop stores & even some of the big chain stores unless they have undated their system in recent years it would not work. Not sure why but in my experience I have had trouble using the debate card system in the US more than any other country I have visited. For many years I would get a blank look if I asked if I could use a debate card. Seemed many of the cashers didn't even know what one was. Which I found a little odd & still don't really know the answer as to why that is. Have noticed though that over the past couple of years that seems to be changing fairly quickly. As of a few months ago I can now use my debate card at one large US chain store south of me that I had not been able to use it at previously, as well as one of the smaller gas stations that I previously couldn't use it at.
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Old 04-19-2014, 12:46 PM   #27
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Canada has national banks, so debit cards have been around for quite a while, and are pretty much universally accepted. As Visa and other national companies develop debit networks in the US, it's getting wider implementation.
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Old 04-19-2014, 02:01 PM   #28
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I'm still not sure how it works but my debit card is Visa enabled. If the supplier does not take debit cards the transaction goes through as a Visa purchase on their end and a debit transaction on mine.
Visa Personal Cards and Products | Visa.ca
The key difference I see is that a Visa debit transaction falls under the Visa layers of protection, where the straight debit transaction goes through Interac which has its own but different levels of protection.

From the CIBC website:
What is Visa Debit?

Similar to the way INTERAC Direct Payment allows you to access the money in your account to pay for purchases in Canada, Visa Debit allows you to access your own money, withdrawn directly from your account, through the Visa network to make purchases internationally, online, by phone or by mail order.

OK, after a bit of searching, I found out how to use the darn thing.
https://www.cibc.com/ca/how-to-bank/...ntagecard.html
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