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I go inside, pay with cash .
There have been news reports that criminals are now able to install card readers
INSIDE the pump to steal credit card numbers. They can do it in as little as one minute. This is in the greater Cincinnati area.
I pay at the pump and always use a credit card so thef is the bank's problem. Ultimately you won't lose with a debit card, but it can take a few days to get your account corrected. I've purchased thousands of dollars of fuel over the years by the way and have never had a problem.
I always go inside but only after pumping my gas. I don't buy anywhere that demands me to pre pay... I know that makes the list short but those are the places I like to deal with.
I had the same problem with my bank not being willing to give my an ATM only card. I found a work around by having them set the purchase limit on it to $1. So it is effectively disabled if someone tries to clone it.
That is a great idea! I'm gonna go talk with my bank lady Monday!
Card Skimmers are nothing new. 11 pages of people talking about purchasing gas. It must be winter. LOL
I only started this thread as kind of a public service announcement , cause I had never heard of skimmers INSIDE the pumps. You're right, it's winter. hahaha.
At the pump but as time goes on I am thinking about changing my tactics. It is reaching the point where I will likely start using the CC and shelve the debit, ours has been replaced several times due to major companies data being hacked. Last thing I want is my account getting drained.
Originally Posted by TinCupChalice
One other thing to consider is on October 1st the regulations regarding card fraud did change and put responsibility on the merchant which could be much more problematic if you're tagged by a skimmer. My CC and bank have already issued me the new RFID chip cards, I don't know all the specifics of the regulation changes but I'll stick with cash; the only time my debit comes out of the RFID blocking case it's in is at the ATM inside the main branch of my bank, I use my debit no other place...
Even though the regulations went into effect, not all companies have it in place. Our service provider still is not able to support the new chip readers. Fortunately, all of our products are need based service items rather than wants which limits our risk. We're also a point of purchase transaction rather than internet sales and the majority of our phone transactions are with well known customers.
One other thing to consider is on October 1st the regulations regarding card fraud did change and put responsibility on the merchant which could be much more problematic if you're tagged by a skimmer. My CC and bank have already issued me the new RFID chip cards, I don't know all the specifics of the regulation changes but I'll stick with cash........
After Oct 1 2015, if a merchant hasn't updated their CC processing to use the new "chip" system, then they (the merchant) is liable for fraud. If a merchant has the newer equipment that reads the chip, then the CC issuer is still liable. This was an attempt to get merchants switched over quickly. But most smaller stores still don't seem to have the newer system. I'm sure it's the cost of switching over but they should realize they are on the hook for fraud until they switch over.
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