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Tvov

CT

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Posted: 05/30/22 04:50am Link  |  Quote  |  Print  |  Notify Moderator

My wife has been using a card like that for awhile, no issues at all. She likes it a lot. Wife also has her card setup for the alert for every use.

I get charge alerts from my credit card (Capitol One) if a charge seems to be uncommon - and I very much appreciate that.

I have thought about getting the alert for every use... but considering I basically use a card for everything now, my phone would be constantly beeping at me! lol


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pbeverly

South Carolina

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Posted: 05/30/22 06:07am Link  |  Quote  |  Print  |  Notify Moderator

Very safe. Your actual credit card number is not used in the transaction, it generates a one time unique one each time it is used. SO very safe.

I prefer to use Samsung Pay as it does the same thing and I do not have to whip out my credit card at all. I also have it setup for my debit card, again don't have to whip out physical card.

My credit card company allows me to setup virtual cards. I have 5 different ones set up. These are for online/phone use. One just for Amazon. One for hotel/camping reservations. The intent is if say my credit card info gets stolen from Amazon I shut down that virtual card, create a new one and don't have to update credit card information everywhere, just Amazon. My REAL credit card number is still good.


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BurbMan

Indianapolis, IN

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Posted: 05/30/22 06:25am Link  |  Quote  |  Print  |  Notify Moderator

pbeverly wrote:

Very safe. Your actual credit card number is not used in the transaction, it generates a one time unique one each time it is used. SO very safe.


Correct, it's called a token. The signal emitted by the contactless chip in the card is readable and can be intercepted with a nearby scanner, but the card is not transmitting your real credit card number, it sends another number called a token that gets translated into your card number when it's received by the bank. So any info crooks steal using this method is worthless. Like intercepting an encrypted transmission, by the time the crooks decode it the token is no longer valid.

ktmrfs

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Posted: 05/30/22 09:58am Link  |  Quote  |  Print  |  Notify Moderator

I'll keep going on my merry way using a CC for virtually any transaction, keep getting free airfare with the points, pay it off every month, get my 5% back on gas purchases. In close to 50 years using credit cards ONCE I got a call from the CC company with a potential fraud, which they caught.
I download financial transactions to my accounting SW every day so I'd catch any "bad" transactions anyway.

The contactless CC transaction is actually likely more "theft proof" than the insert into the machine and WAY safer than manual CC transactions.

And I make it a policy to use paypal for online transactions to avoid entering a CC number.

There are those that want to make a quick buck by convincing consumers that your CC, your car key fob, your phone is wide open to everyone and your going to end up in the poor house. They spread false and misleading information to get your $$$$.


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1492

Arlington, VA

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Posted: 05/30/22 10:12pm Link  |  Quote  |  Print  |  Notify Moderator

As mentioned, contact-less credit card transactions are about as safe as using the card's chip insertion method. They both use the same encrypted transaction technology generating a one-time token. Most of the RFID fraud concerns from contact-less credit cards have been debunked as myths.

Personally, I will always use touch credit transaction first, and only use the chip insertion method if not available.

Cptnvideo

Arizona - most of the time

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Posted: 05/31/22 12:41pm Link  |  Quote  |  Print  |  Notify Moderator

My phone alerts me to EVERY transaction. One time after using the card the night before at a gas station, my phone alerted me to a $2200 transaction to an online furniture store. I immediately alerted Capitol 1. Needless to say, the a$$hole that stole my CC number got caught.


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pbeverly

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Posted: 06/01/22 04:51am Link  |  Quote  |  Print  |  Notify Moderator

Cptnvideo wrote:

My phone alerts me to EVERY transaction. One time after using the card the night before at a gas station, my phone alerted me to a $2200 transaction to an online furniture store. I immediately alerted Capitol 1. Needless to say, the a$$hole that stole my CC number got caught.


If a gas pump has the old style black card reader that sticks out you need to grab it and make sure it is tight and won't come off. If it isn't tight it probably is a skimmer grabbing your data. Had this happen to me in SC and was buying groceries that day in Canada after I got skimmed.

Gdetrailer

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Posted: 06/01/22 10:58am Link  |  Quote  |  Print  |  Notify Moderator

1492 wrote:

As mentioned, contact-less credit card transactions are about as safe as using the card's chip insertion method. They both use the same encrypted transaction technology generating a one-time token. Most of the RFID fraud concerns from contact-less credit cards have been debunked as myths.

Personally, I will always use touch credit transaction first, and only use the chip insertion method if not available.


Nope.

Not any safer than using the mag stripe..

Skimmers have gotten significantly better over the last few yrs..

Here is a couple of recent examples found at Sam's clubs self checkouts in my county and a few other counties near me..

[image]

[image]

Those skimmers were slid down over a rather popular card reader brand which does have chip reader plus mag stripe and from what has been said was completely undetectable.

The skimmers transmit the data via BT to the perps..

Considering very few CC and ATM bank cards now days are issued with no chip (mag stripe only) and many older non chipped cards most likely have expired and no longer valid I highly doubt the perps would get enough CC data from mag stripe transactions to make this effort worth it.

Chip first is required by the terminal, only if the chip reader fails to work three times in a row will the mag stripe reader be enabled.. Granted, they could have been skimming the very few debit cards which may not have chips but even that to me seems to be very low hanging fruit for the effort these folks went through.

The perps that installed the readers in the pix above were caught, they came from Romania via Canada into the States, rented a vehicle and eventually drove to my state.. That was a lot of cost and effort on only the hopes of capturing only mag stripe transactions.. Which leads me to believe that even the chip safety is a fallacy..

What can be encrypted, can be decrypted if one wants to go to the effort and the effort has a big enough payoff..

ktmrfs

Portland, Oregon

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Posted: 06/01/22 11:59am Link  |  Quote  |  Print  |  Notify Moderator

What can be encrypted, can be decrypted if one wants to go to the effort and the effort has a big enough payoff.

While this is a true statement, what is missing is that with the system used today it would takes months or years or even decades or longer on a high speed computer to decrypt the token. By then it is of no value since it has already been used once.

Now skimming the magnetic strip, that's much easier, but more and more cards have no magnetic strip.

1492

Arlington, VA

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Posted: 06/01/22 02:51pm Link  |  Quote  |  Print  |  Notify Moderator

Gdetrailer wrote:

1492 wrote:

As mentioned, contact-less credit card transactions are about as safe as using the card's chip insertion method. They both use the same encrypted transaction technology generating a one-time token. Most of the RFID fraud concerns from contact-less credit cards have been debunked as myths.

Personally, I will always use touch credit transaction first, and only use the chip insertion method if not available.


Nope.

Not any safer than using the mag stripe..

Skimmers have gotten significantly better over the last few yrs..

[image]


I have no idea what you are referring? I'm talking about touch credit card readers. RFID enable CC uses the same technology as chip. So not following your skimmer example? If that were the case, than using chip based insertion would be just as vulnerable. BTW, the model in your photo example does not have built in RFID contact-less reader in the first place, so not understanding the point.

In any case, show a example of RFID touch credit card used in a successful fraudulent transaction? One that doesn't involve a merchant.

BTW, I never swipe my card, even if the chip does not work the mentioned three times. This is a an issue I've experienced with TDBank credit cards as they use a thinner plastic. No issue using contact-less RFID method, but TDBank cards sometime fail to read using chip insertion method at stores like Home Depot or Harris Teeter. I just end up using a different card.

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