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GoodBytes

Apple credit card fraud found.. that was quick

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26 minutes ago, FezBoy said:

The RFID in your card doesn't transmit the card number and stuff like the magstripe, it actually does encryption like the chip.  For my U.S. debit card anyways, contactless payments always ask for the PIN, and the card practically has to be touching the reader.  IMO, RFID skimming is really a non issue played up by companies trying to sell you more expensive wallets.

It does, If you download an app that can read them and tap it on the back of your phone, you get the number on your card and expiry date, which is all you need to use the card. 

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2 minutes ago, RedRound2 said:

Please, quote me where they said it was unhackable or impossible to hack, or anything that implied the same. It IS more safer than a traditional card. And when you look from a bird's eye view, they are pushing those same customers to use more safer means to transact, forgetting about other features like reminders for payments etc

 

Just pointing out that you can't use tech limitations to excuse poor marketing.


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51 minutes ago, mr moose said:

Just pointing out that you can't use tech limitations to excuse poor marketing.

Just pointing out that you can't extrapolate marketing terms to things that fundamentally can't be true.

It's secure-re, compared to pretty much every other card. And that's only what Apple said.

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7 hours ago, GoodBytes said:

magnetic strip

fun fact: here in Australia, banks no longer use this method due to it's security issues...

*C L A P*

*C L A P*

*C L A P*

*C L A P*

 

oh good, my slow clap processor made it into this thing...


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1 hour ago, RedRound2 said:

Just pointing out that you can't extrapolate marketing terms to things that fundamentally can't be true.

It's secure-re, compared to pretty much every other card. And that's only what Apple said.

Fraudulent marketing is fraudulent marketing:

 

from their website:

 

Quote

Apple Card is designed to make sure you’re the only one who can use it.

https://www.apple.com/apple-card/

 

Please stop defending shit company practices.


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8 hours ago, VegetableStu said:

seriously, when is the magstripe going to die ._. (also when will ATMs accept Google and Apple pay ._.)

Actually here in Southeast Asia, adoption of EMV readers are fast even on small stores. 


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10 minutes ago, captain_to_fire said:

Actually here in Southeast Asia, adoption of EMV readers are fast even on small stores. 

In the UK, there is literally nowhere you can go that doesn't accept contactless payments. I can't remember the last time I took my card out my wallet, or paid with cash. I just use Google Pay for everything. 

 

In fact, when I go shopping I even use my phone to scan the shopping then just pay on the way out with Google pay. 


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6 minutes ago, captain_to_fire said:

Actually here in Southeast Asia, adoption of EMV readers are fast even on small stores. 

actually i wasn't aware, when the switch happened. i think i remember being around the EMV system more than the pure magstripe system throughout my life? o_o

like when i had my first bank card it already had the EMV chip on it.

 

so yeah I'm not sure "how painless it was" for the merchants ,_, but thank whoever for magstripes not being used for transactions here (well, except for activating the card eater on ATMs. seriously that's another thing that needs updating.

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2 hours ago, Salv8 (sam) said:

fun fact: here in Australia, banks no longer use this method due to it's security issues...

*C L A P*

*C L A P*

*C L A P*

*C L A P*

 

oh good, my slow clap processor made it into this thing...

  • disuses magstripe because too easy to steal
  • the words "The laws of mathematics are very commendable but the only law that applies in Australia is the law of Australia" has been said in official standing

536314277213241374.png?v=1

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13 minutes ago, VegetableStu said:

actually i wasn't aware, when the switch happened. i think i remember being around the EMV system more than the pure magstripe system throughout my life? o_o

like when i had my first bank card it already had the EMV chip on it.

 

so yeah I'm not sure "how painless it was" for the merchants ,_, but thank whoever for magstripes not being used for transactions here (well, except for activating the card eater on ATMs. seriously that's another thing that needs updating.

I don't even think they use the magstripe for ATMs here, I have magstripe ATMs blocked on one of my cards and have never had an issue


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9 minutes ago, yolosnail said:

I don't even think they use the magstripe for ATMs here, I have magstripe ATMs blocked on one of my cards and have never had an issue

i only know of this because i had a card with a peeling magstripe and the machine didn't detect the card when it folded back as i inserted it ._. (basically the door didn't go up)

not sure if it actually uses the number in the magstripe for account identification, but yeah

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1 minute ago, VegetableStu said:

i only know of this because i had a card with a peeling magstripe and the machine didn't detect the card when it folded back as i inserted it ._. (basically the door didn't go up)

not sure if it actually uses the number in the magstripe for account identification, but yeah

I know the block definitely works on my card because I intentionally tried it on a magstripe only ATM and it said there was an error with the card. 

I see very little reason for the magstripe to still exist, it's more 'secure' than contactless because of the £30 limit but less convenient, chip and pin is also faster because you don't have to sign.

 

For the people I know with shops it didn't cost them anything to get a reader that accepts contactless (or even chip and pin back in the day), most of the card machines are rented/leased anyway so they can just have them replaced, and it was just a drop in replacement anyway so they didn't have to change anything


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8 hours ago, GoodBytes said:

Card skimmers added on gas station machines doesn't affect the merchant.

It does when the merchant is involved. Like I said, in some cases owners or employees allowed the skimmers to be put in place. It does affect them when the police show up with warrants and the news shows up with cameras. 

 

 


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13 hours ago, GoodBytes said:

Apple rep, when asked about the issue said it was a "very rare" occurance.

Yeah because the damn thing is brand new, not like everyone's got one


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last time I was in the US I was baffled that everything used strip swipers instead of chips. In Canada its VERY rare that someone needs to swipe my card and when they do Mastercard/Visa calls me asking whats happening. But everywhere I went in the US they swiped the card and its very easy to skim a cards number from swiping it. Most places in Canada have touch now and thats just as easy to skim numbers from. I use my wallet that doesn't allow people to walk up and tap for card information. 

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Posted · Original PosterOP
3 minutes ago, GodSeph said:

last time I was in the US I was baffled that everything used strip swipers instead of chips. In Canada its VERY rare that someone needs to swipe my card and when they do Mastercard/Visa calls me asking whats happening. But everywhere I went in the US they swiped the card and its very easy to skim a cards number from swiping it. Most places in Canada have touch now and thats just as easy to skim numbers from. I use my wallet that doesn't allow people to walk up and tap for card information. 

Tap is not the same number and is limited l, for most cards to 50 or 100$. Considering that, when you use a credit card it is the bank money, not yours like debit cards, they easily revert the charges.

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4 hours ago, mr moose said:

Fraudulent marketing is fraudulent marketing:

 

from their website:

 

https://www.apple.com/apple-card/

 

Please stop defending shit company practices.

What the fuck? Which credit card companies says otherwise? Stop digging your own hole deeper than it is. And did you even try looking at the context (I presume you jumped with excitement, to even read the next line). Thy talk about touch ID and face ID, clearly implying that one statement is meant for Apple Pay through device, as anyone can indeed still take your Apple Card and make NFC transactions due to the way contactless payments have been designed for convenience at the cost of security.

 

Quote

Apple Card is designed to make sure you’re the only one who can use it. All the advanced security technologies of Apple Pay — Face ID, Touch ID, unique transaction codes — are built right in. And the physical card has no numbers. Not on the front. Not on the back. Which gives you a whole new level of security.

 

And the physical card , is where they go back talking about the card. Is basic comprehension? And even in the said line, it in no way implies that the card in unhackable or you can never be frauded

 

Your data is safe with us, until of course someone hacks and cause a massive data breach, like facebook, google, and million other internet based companies

 

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16 hours ago, dizmo said:

They'll hold onto it as long as they can, just like Imperial measurement.

I've always assumed they haven't switched over to a chip system because, in some way, fraud has some twisted advantage for the large companies.

Don't quote me on this but I've heard from some video (I don't remember which one) that the Chipotle restaurant chain specifically is against Chip and Pin cos making people put in their pin is "too slow" compared to just doing a signature or just inserting/swiping with no signature -_- .

 

16 hours ago, GoodBytes said:

snip

This does feel like kind of "water is wet" news. This was already expected. It happens with every type of debit and credit card.

 

Especially in the US because most US credit cards are either A) Chip + Signature with no pin OR B) straight up swiping cos some US merchants still don't support Chip for some reason.


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6 hours ago, RedRound2 said:

What the fuck? Which credit card companies says otherwise? Stop digging your own hole deeper than it is. And did you even try looking at the context (I presume you jumped with excitement, to even read the next line). Thy talk about touch ID and face ID, clearly implying that one statement is meant for Apple Pay through device, as anyone can indeed still take your Apple Card and make NFC transactions due to the way contactless payments have been designed for convenience at the cost of security.

 

 

And the physical card , is where they go back talking about the card. Is basic comprehension? And even in the said line, it in no way implies that the card in unhackable or you can never be frauded

 

Your data is safe with us, until of course someone hacks and cause a massive data breach, like facebook, google, and million other internet based companies

 

Well, you're digging a hole here, there isn't any defending Apple over this because they claimed their CC was more secure than any other CC.

Have a look at the claims they make in bold like "Apple completely rethinks everything about the credit card". Apple uses misleading marketing to claim their card has better security and privacy than any other card,and it can only be used by you.

Except their card is the same as any other card, and isn't any more un-hackable than any other physical card.

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17 hours ago, bcredeur97 said:

it still has a magnetic strip... so it's very easy to steal. just go rig up a gas pump

Also this brings to mind a topic... WHY THE HECK ARE LIKE ALL GAS STATIONS IN THE US STILL USING MAGNETIC STRIPS?!

 

chip and pin is almost everywhere... except at the pump. which is literally the easiest thing to rig up a skimmer to... Like seriously?

Really? Any station I've used around my area has always used the chip on my card, never the stripe.

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17 hours ago, Donut417 said:

Because new readers would cost money. Simple. 

We've had chip for at least 20 years here. Don't tell me anyone is using 20 year old terminals today... aka if they had started replacing broken terminals with chip-compatible ones back then they'd all support chip by now.

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4 hours ago, Fasauceome said:

Yeah because the damn thing is brand new, not like everyone's got one

In Apple land ANY issue only affects "a small percentage" or "a very small number" of people. Even the keyboards, bendgate and other things that warrant extended repair programs. So we know the trust level of those announcements is somewhere below 0...

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18 hours ago, wafflehaus said:

Wait-- The Apple Credit cards are still using Magstripes? In 2019? Bloody hell,  as an Australian this blows my mind. We've been on chip-and-pin for years.

Apple is not in a position to offer a card in the US without one.

 

Really, if you want to see the end of the mag stripe, Euro-Mastercard/Visa have to drop the magstripe first. It persists because the United States has all the money and can thus dictate how sloppy/convenient they want their payments.

 

This is why everyone should be using the tap-to-pay feature of their cell phone, even if the stores you shop at say they don't support it. Bring out the phone, look for the tap-to-pay sensor. When you don't see it, then pull out the card and try tapping the card, or inserting the card into the card slot. Don't use the mag-stripe if any other option works. 

 

I go about my day never having to deal with cash, every place I shop will take the Amex or the Mastercard tap-to-pay, and the only place I shop at that doesn't have tap-to-pay is Walmart, which I insert the Amex card into the card slot. None of these use the mag-stripe reader. The most likely thing I use that uses the mag stripe is probably the transit pass vending machines. 

 

The person in question probably had their card skimmed if they used it to pay for gas or a third-party ATM, as people aren't particularly careful about looking for skimmers (always pull on the card slot before inserting a card to see if it's loose or comes off, always cover the pin-pad even if you don't see anyone around.)

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8 hours ago, yolosnail said:

I know the block definitely works on my card because I intentionally tried it on a magstripe only ATM and it said there was an error with the card. 

I see very little reason for the magstripe to still exist, it's more 'secure' than contactless because of the £30 limit but less convenient, chip and pin is also faster because you don't have to sign.

 

For the people I know with shops it didn't cost them anything to get a reader that accepts contactless (or even chip and pin back in the day), most of the card machines are rented/leased anyway so they can just have them replaced, and it was just a drop in replacement anyway so they didn't have to change anything

My sister runs her own health and fitness business... even she's got a contactless card reader that she takes to all of her classes. In fact, I think she said that she has zero cash payers any more and almost half of her clients have even switched over to direct debits.

 

I rarely carry cash any more... but it's nice to keep some on you for when it's needed. I probably only withdraw £20-30 a month from an ATM... it's more handy for when you just want to pick up a pint of milk at the local shop... especially those who refuse to take card payments unless it's over £10... Because in Jan 2018 they made it illegal to charge for using a card. My local shop still tried to charge me after that date... so I told them off, left what I was buying on the counter and refuse to shop there ever again... 18 months later, they've still lost me as a customer. I'd rather drive 2 miles to the supermarket than support greedy fuckers like that.

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When will people stop reading Marketing verbiage without realizing an entire division is employed to put out words in such a manner that causes people to think its more than it is.  

 


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