Fraud warning

[firecat69]

Actually on thinking about it , I remember my Kasikorn ATM cards can be used like a CC.  Completely different then in the USA.

 

I have no idea what protection the bank provides against a stolen card in Thailand but I would guess there is some protection or else everyone in Thailand is walking around with a ticking time bomb in their possession.

[Guest ryanasia]

The point of this thread was to see if we could get his profile pics. I could find him if I wanted to but it isn't worth my time. If I wanted to find him I would make a new profile and find whatever profile he uses now and have him meet me at a crappy motel somewhere. Then what? It isn't like I am going to have him beat up or something. 

 

Firecat they don't require pins for purchases. All ATM machines require a pin but you can purchase things with out a pin. This was a Visa and rabbit card and they don't put names on them so all you need to do is fake a signature. I only made this post so others might catch his profile but seems he has already probably made a new one. Normally I don't out anybody on their profiles but felt this in this case the criminal actions warranted speaking out. 

 

It just isn't enough money to bother using crazy tactics to chase him down. So as far as that goes I am basically considering it a done deal. He actually would lose more out of this than I did in the long run anyway. Lesson learned is people can change. I am suspecting he has a yaba habit that took a turn for the worse. So if a boy you know looks a little rougher than he used to pay attention. 

[firecat69]

I would still like to know what protection if any the bank provides against theft of the card in Thailand if anyone happens to know.

 

It might change the way I carry my card if there is in fact no protection.

[Guest ryanasia]

I just reported the card lost so no idea. I couldn't imagine getting the Thai police involved. Now I have learned if I have my new card mailed to me it will have my name embossed on it. If I take it the same day in the bank it will not. That is just crazy in a country you never have to use a pin to purchase things and they seldom check signatures. Had their been a complicated farang name on the card like mine which is quite long it might have prevented this. 

 

I would probably change the way you carry your card. Normally I leave my cards at home when I go out if possible. I thought I was okay because he didn't have the pin and then it dawned on me that doesn't matter here. The method of theft used would be highly unlikely to happen in the west. Also many of these guys would know somebody who has a shop and possibly a reader so it wouldn't be hard to think that the person with the card reader could be in on the scam.

[NIrishGuy]

 

Happened to me recently. Someone used the card to purchase stereo equipment online. 1 call charge was erased and I assume the crook gone after.

 

One might quite reasonably assume that however the truth is very different it seems.

 

In my business I take "person not present" credit card payments and even much to my own surprise I can assure you that short of stopping the card being used in the future the credit card company have almost ZERO interest in physically chasing or catching the person who may be using the card illegally. 

 

I have had several cases where I spotted a fraud attempt just about go our system in my business, where goods were being requested to be delivered to a specific address etc where I was able to call and speak directly and behind the scenes to the card fraud department suggesting a simple "sting" to catch the thief upon delivery, but they had ZERO interest in assisting with that or even me reporting it to the police ( as I wanted to do) doing and told me quite bluntly that unless the attempted theft was over £15000 stg ( on each attempt !) they literally don't even bother looking into it as card theft is that common now and is overwhelming them every day that they just haven't the time or resources to look in it for less than that amount and are just happy to be able to stop card as and when a stolen one is discovered.

 

I've also had cases where we spotted a stolen card being attempted to be used to buy goods from us, called the fraud department, flagged it up, they checked and confirmed "yes that's a stolen card for sure (based on it's usage in the last 24 hours) BUT the owner ( from the USA) hand't actually realised it had been stolen yet and so hadn't reported it and so the card company they were quite happy to go ahead and issuing us with an "authorisation number" which would have allowed my staff to proceed with that purchase ! ( again this has happened several times now).!  

 

So, on hearing this was happening and as the M.D ( (CEO) I rang them and asked what the hell they were doing issuing authorisation numbers to my staff for purchases that they KNEW were fraudulent, they explained they could as the card wasn't reported stolen "yet", BUT !!! as I later found out ( thankfully not to my cost ) the key thing here is that in their terms and conditions of service to merchants even if they give you an authorisation number for a purchase and that purchase later turns out to be stolen card but you've already delivered the goods etc, the card company STILL are allowed ( and DO ) take the funds for that transaction right back out of the businesses bank account for anything up to six months after that transaction took place !

 

Meaning that the credits card company still get paid in full no matter what and it's the business who are actually left out of pocket by the fraud as by then they've may well have already delivered goods to a bogus dead drop address that the thieves use commonly AND also have had to pay back the credit card company in full as well ! 

 

So, whilst they don't advertise that small but hugely important fact I'm guessing that THIS plays a large part in why they don't give a shit about chasing card fraudsters just so much perhaps ! Also in closing I can tell you that on expressing my amazement and disgust about this fact to their fraud department one guy there told me that if humanity had any idea of the REAL level of credit card fraud that goes unreported by the card companies EVERY DAY around the globe that none of us would ever want to use a credit card again  - hence again why they're happy to bury that info perhaps.

[firecat69]

Very interesting Irish but it does seem to me that they are doing a lot to stop these things.  All my current cc's alert me as the card is swiped or the number used and I do mean simultaneously .  As I swipe the card through a terminal , my phone alerts me to the swiping of the card.

 

Also I have been contacted a number of times on suspicious purchases where they were made online and the company stopped the sale and called me to ascertain if I had approved the purchase.

 

The fact that Thai ATM cards can be used as a CC adds an extra element of danger which I had not considered and having the name on the card does not seem to be any extra protection unless you are dealing with a seller that demands identity which of course many do not.

[Brummbaer]

Off of the top of my head I know three places here in Vienna where a credit or debit card can be used for payment and nobody checks anything, because basically there is nobody there that could check.

 

Parking at Vienna Airport:  get in your car, drive up to the automatic gate, feed the machine your parking ticket and your CC, take back both and the gate will open.

Cigarette vending machines in Europe use the chip on the card to check the age of the buyer, authorities assuming nobody below 16 (or other legal smoking age) would own a credit or ATM-Card. Some of those machines will sell you cigarettes and charge your card. No PIN required.

Supermarket checkout up to € 25 you just hold the card next to the terminal. If the card is NFC capable, it will be charged..

 

Admittedly, although cost for parking at the Airport is steep and cigarettes expensive, those are not huge sums of money being charged, but still you don't need a PIN...

[firecat69]

Really although I rarely use a debit card in the USA, I am quite sure you must use a pin or charge cannot be made. Sounds like banking in Austria is behind the times.

 

Many places such as gas stations ask first is this a CC or a Debit card . If a debit card you must type in your pin and if a CC you must put in the zip code associated with the card.  Otherwise no gasoline.

[bucknaway]

I don't know if this is a new thing or not, but I just got my new Visa Bankcard from my bank here in the USA.  Nothing is embossd on the card.  Everything -- the credit card number and my name -- is printed on the card..

 

Another thing with my Citi and Chase Credit cards here in the USA.  If I swipe my card for a purchase less than $25 USD, the charge often goes through without requiring my signature on the signature pad.  I like the speed of the purchase but fear it will be easy for fraud to happen.  The one good thing is that the laws in the USA only makes me liable for the first $50 of any credit card fraud and the banks often waive that $50.

 

When my American Express was used to buy $4000 in car parts in Japan, I didn't care because I knew I would not have to pay a single penny of that theft.  (I used my card at the airport in Tokyo and I assume that is where the card was either skimmed or photographed or something).

 

In Thailand, I often read news articles where people are begging their bank to take responsibility for the fraud they had to endure.  I don't know if the banks are under any obligation to do so.

[Brummbaer]

You actually had to put in your PIN (and still have to above € 25) at the Supermarket check-out until very recently. They sell this as "advancement" as now you don't have to any longer and save time...

 

Car park automated paystations have been that way for ages, cigarette vending machines only got the age-check by Card a few years ago, before that it was cash only and anybody who was tall enough to reach the slot to insert coins could buy. With restricting underage buying they added the cardreader which now makes it possible to pay by card.

[Guest ryanasia]

I don't know if this is a new thing or not, but I just got my new Visa Bankcard from my bank here in the USA.  Nothing is embossd on the card.  Everything -- the credit card number and my name -- is printed on the card..

 

Another thing with my Citi and Chase Credit cards here in the USA.  If I swipe my card for a purchase less than $25 USD, the charge often goes through without requiring my signature on the signature pad.  I like the speed of the purchase but fear it will be easy for fraud to happen.  The one good thing is that the laws in the USA only makes me liable for the first $50 of any credit card fraud and the banks often waive that $50.

 

When my American Express was used to buy $4000 in car parts, I didn't care because I knew I would not have to pay a single penny of that theft.  (I used my card at the airport in Tokyo and I assume that is where the card was either skimmed or photographed or something).

 

In Thailand, I often read news articles where people are begging their bank to take responsibility for the fraud they had to endure.  I don't know if the banks are under any obligation to do so.

 

 

Okay let me rephrase... on my Bangkok Bank card there is simply no name whether embossed or printed. This makes somebody that isn't the card holder much easier to use. 

[Brummbaer]

My name on my Kasikorn Card is "Privileged Member"  , letters are engraved, and below is the caveat: electronic use only. Not sure how to feel about that. I'm not Austin Powers and how does "Privileged" compare to "Gold" when it comes to Members

[Guest ryanasia]

It is just a bad way to do it. I for sure will be waiting for my card to have my personal name on it rather than "privileged member" Make sure nobody ever gets a hold of that card as they will become the "privileged member" and can purchase just about anything they want with it.

[bucknaway]

Really although I rarely use a debit card in the USA, I am quite sure you must use a pin or charge cannot be made. Sounds like banking in Austria is behind the times.

 

Many places such as gas stations ask first is this a CC or a Debit card . If a debit card you must type in your pin and if a CC you must put in the zip code associated with the card.  Otherwise no gasoline.

 

Here in the USA, it depends...  I can use my Visa Debit card at the WAWA gas station near my home and if I select credit purchase, it only asks for my zip code.  If I go 1/2 mile to the next wawa and use the same card to make a credit purchase of gas at the pump, It takes it and I don't have to enter anything, just swipe it.

 

Also, If I am in Washington DC and want to buy a Metro Card, I just swipe the Visa Debit card and the machine will spit out the Metro Card.  Often thieves will steal credit cards and buy many $50 metro cards with it and sell the cards for half price.

 

I'm sure thieves now know that if they get lucky enough to get their hands on a credit card, they know to also try to get the zip code of the owner and hope that it works for the card.

[Brummbaer]

When in Thailand, that Card is in the safe unless I carry it on my person when I need it to check accounts balance or the deposit machine. The Kasikorn account has almost no funds (couple of hundred baht) in it, at present I just use it to deposit left over cash before flying out and getting some cash at the airport for taxi when flying in. In the past I used it to give my BF access to emergency money in case of need when he was still at university. He only needed to use it once when he was in hospital with food poisioning and didn't have enough to pay for the infusions he received. There is a 0 Baht overdraft agreed for that account, too, so no money without funds. 

Eventually I'll use it to deposit the sum government wants me to to give me a retirement visa.

[bucknaway]

Okay let me rephrase... on my Bangkok Bank card there is simply no name whether embossed or printed. This makes somebody that isn't the card holder much easier to use. 

My best friend has a credit card like yours.  His is a pre-paid credit card that he likes to use because it has Star Trek Images on it.

 

I am 100% sure your report is genuine.  I just thought it was odd that last week when I got my debit visa from my bank they decided to not emboss anything on it.  All it would take is a $40 ID card printer to add phony info to the face of the card.

Of course that would only be useful should anyone ask to see their ID.

[Guest ryanasia]

Another thing that occurs to me is the people here are getting more savvy about credit cards and with that the risks of these things will increase. Ten years ago a boy wouldn't know what to do with one. 

 

PS I didn't mean to give the impression you were questioning my report. I am not sure why anybody would think I am doing this for the lulz anyway. 

[firecat69]

Here in the USA, it depends...  I can use my Visa Debit card at the WAWA gas station near my home and if I select credit purchase, it only asks for my zip code.  If I go 1/2 mile to the next wawa and use the same card to make a credit purchase of gas at the pump, It takes it and I don't have to enter anything, just swipe it.

 

 

All I can say is that the station must be really old station with ancient pumps.  I have driven from Florida to Maine and stopped many times and have never not been asked for the zip code in the last 2 years.

 

However I cannot remember the last time I was asked for ID in the USA when using my cc unless it was a very large purchase so not sure what that says except there must have been lots of fraud at gas stations.

 

Plus in any of these stores that require you sign on the reader , you can scribble anything.

[Guest cdnmatt]

EDIT:  Nevermind, read it wrong.  Health is going downhill again.

[Alexx]

I would still like to know what protection if any the bank provides against theft of the card in Thailand if anyone happens to know.

 

It might change the way I carry my card if there is in fact no protection.

There's no protection until the time that you have notified the bank. That even applies to real Thai credit cards, not just to the debit cards we've been discussing here. Even if it were any different, try to sue a Thai bank in Thailand as a foreigner and win. A foreigner recently sued Bangkok Bank in the US and won, but that's a much different story.

 

If you want to make sure that your Thai debit card can only be used at an ATM with a PIN code but not at a shop without, set the purchase limit to zero, as I've indicated in my previous post. Simple, if you realize there's a problem and if you don't want to use the card for shopping. That's what I do.

[Guest ryanasia]

I missed that advice the first time. I would probably do this if I ever had a card with no name on it. For most shopping I would use the ATM or if it was a big purchase just draw the money from the bank itself. There is always a bank in the mall anyway.

 

Thanks

[firecat69]

+1   I missed it also and will do that next trip

[billyhouston]

I think the profile you are after is atthasit2533. This profile is still up, but the photographs have been removed.

[Guest ryanasia]

yes probably so.

[Guest ryanasia]

atthasit2533 somebody told me I had it wrong. 0840094521