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BigDUSA
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FWIW and I may be wrong. I don't think the pin # is stored on your ATM card. I would think for security purposes it would be stored in your home bank main frame computer.
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Thai Girls : Meet Sexy Thai Girls
Posted on: 9:23 am on Feb. 27, 2004
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ABC
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BigDUSA:
I believe you are correct. I could not see the banks storing this pin # on the card itself, but in a centralizecd database in their home office.
Good idea though about the ATM over a Credit Card.
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Bangkok Women : Meet Sensual Bangkok Women
Posted on: 10:29 am on Feb. 27, 2004
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Dutch
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I dont how it works in the states but in Holland you dont have to pay for phantom sales on your CC.
As long as they dont have your pincode (included on Dutch mastercard so you can get money at ATM's at 10% comission) you're only in for €200 if they steal it, the rest is insured.
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Thai Girls : Meet Sexy Thai Girls
Posted on: 6:06 pm on Mar. 1, 2004
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BKK Banger
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The amount of fraud on credit / ATM card transactions is claimed to be quite low at around 1% but I do not trust the banks.
The fact is that the banks find it very very cheap to operate ATMs and they are making profits by charging for ATM cards from other banks using their machines or for cash withdrawls on credit cards etc.
Most banks will not want to undermine their business by sticking you with the bill but if the correct PIN number was used then they are unlikely to believe it wasn't you using it as they claim this is near impossible.
However credit card fraud is rampant and the card companies absorb it.
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Bangkok Girls : Meet Sexy Bangkok Girls
Posted on: 9:07 pm on Mar. 1, 2004
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whitespider
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Dutch - same in the UK. Ive been done twice (both times sales made in Malaysia for cameras etc). oNce on a Gold Debit Card and my bank refunded me without batting an eyelid and 2nd time on a Visa Card whcih was covred by the cards insurance.
BIGD - if I were your mate Id change my bank 
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Thai Women : Meet Matured Thai Women
Posted on: 8:09 am on Mar. 16, 2004
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LivinLOS
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In fact its usually the other way around... Any and all suprious charges on a credit card are covered (possibly with a small excess) this is due to the fact that you have not yet paid your bills and they know people dispute bills they did not incurr so the system is protected.
A debit card however deducts money from your account at the time of sale, they obviously run out at the end of your funds or credit limit but as the bank already has deducted it, it is far far harder to reclaim the money from bankers.
Get a good bank to issue you a VISA credit card and you have about the best protection there is.
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Bangkok Women : Meet Beautiful Thai Girls
Posted on: 6:11 am on Mar. 17, 2004
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Ballsburstin
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In the U.S.A. you have 60 days to challenge spurious charges. After that, it is assumed you agree with them, and you will be liable.
If you challenge charges, you will most likely not have to pay anything until the credit card company completes its investigation. I did this recently for spurious charges and was asked by VISA to sign affidavits stating which charges were false. They credited them to me and investigated.
- Balls
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Bangkok Girls : Meet Attractive Thai Girls
Posted on: 1:07 am on Mar. 18, 2004
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DewAsmara
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As I know,
Because last time I work in Bank and know how to make / operate ATM Card Maker (Machine to make ATM Card). It is almost cannot be fraud, unless, you are very careless not to stored/destroyed your ATM slip. But, in country like Indonesia (my country) yes some local bank still do old manual system when make ATM Card, they stored number account and ATM account number at one person before delivered the ATM Card to customer and also send account number data to the IT Department for processing the PIN Number. So somehow it can be fraud if you know the customer account number. But it is need very good knowledge to make a copy card.
Instead, frauding credit card is another problem, I dunno know why now so much credit card fraud in Indonesia especially they can make so perfect Citibank Credit Card both VISA and Master. Seems they have special machine / program to guess / translate code between Credit Card special number and the name of Credit Card owner. Because last time friend of mine, sent me a letter that have know how the number on credit card, so you can guess what credit card number should be possible / logic on the system. But unfortunately I destroyed that email hahaha.
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Thai Girls : Meet Active Thai Girls
Posted on: 2:30 am on Mar. 18, 2004
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