澳洲防信用卡信息被盗

在澳大利亚个人理财




More on Spotting ATM Skimmers

by Jennifer Saranow Schultz
Thursday, February 3, 2011

provided by
The New York Times

To help readers better protect themselves from thieves who want to swipe their sensitive debit card information, we've shared pictures in the past of how to spot skimming devices on ATMs.

Skimmers applied to card readers (think fake card readers on top of the real ones) are designed to capture debit card magnetic stripe data, while tiny wireless cameras or overlays to existing personal identification number pads are designed to capture PIN information. Once thieves capture such data, they can use it to make fake cards or sell the information on the Internet to others.

Besides learning what skimming devices look like, consumers can also employ other strategies to spot the devices, according to John Pearce, director of commercial marketing for banking-financial and government systems at the security company ADT, which sells anti-skimming technology. He recently shared the following strategies with us.

Perform an ATM Inspection

Before swiping your card, Mr. Pearce recommended that consumers examine ATMs for tell-tale signs of skimmers like visible glue marks or residue around the reader or PIN pad. Also, look for loose parts (tug on the card reader, say, to see if it comes off or if there is a loose appendage recently added to the machine). "You want to inspect the card reader slots first and foremost," Mr. Pearce said. "If there's any residual of glue around the PIN pad area or around the card slot, there's a pretty good chance there was skimming activity in the recent past."

Perform an ATM Area Inspection

Mr. Pearce also recommended that consumers look around the ATM area to see if anything looks out of the ordinary. For instance, is there a cola can or pack of cigarettes on the top of the ATM or promotional literature nearby? If so, look closely to make sure there's no miniature camera hidden in such spots. Check the ceiling above the ATM for such cameras as well. While legitimate security cameras for the banks will be clearly overt and visible, these cameras will be hidden and about three-fourths of an inch square in size, Mr. Pearce said.

Cover Your PIN

When you type in your PIN, Mr. Pearce recommended using your other hand to shield the keypad to block it from video cameras hidden in the light above the keypad or elsewhere. This can also help protect your information from "shoulder surfers," people who Mr. Pearce said stand off to the side to try to record your PIN.

Know Which ATMs to Pay Special Attention To

Mr. Pearce recommended being extra vigilant and cautious when using ATMs at heavily trafficked areas like at malls, airports and gas stations. In many cases, he said, skimming can go unnoticed in such locations because there aren't any personnel monitoring the machines. In addition, if you're having problems using a machine, avoid any offers from help from strangers. "They know you are having a problem because they caused the problem to take place in the first place," Mr. Pearce said, noting that they would ask for your personal identification number as they try to enter your card.

Know When to Use Your Credit Card

In situations where your card goes out of your line of sight (like at a restaurant or hotel), Mr. Pearce recommended using a credit card rather than a debit card.
澳洲中文论坛热点
悉尼部份城铁将封闭一年,华人区受影响!只能乘巴士(组图)
据《逐日电讯报》报导,从明年年中开始,因为从Bankstown和Sydenham的城铁将因Metro South West革新名目而
联邦政客们具有多少房产?
据本月早些时分报导,绿党副首领、参议员Mehreen Faruqi已获准在Port Macquarie联系其房产并建造三栋投资联

个人理财

个人理财

HSBC 特别差的体验

澳大利亚想着去其他国家, 办一张HSBC的Everyday Global卡, 可以存10种外币,于是填写了网上申请表。 2 weeks later, 啥也没有,早上8:10分打客服电话等了40分钟,终于有人接了,问了一堆安全问题, ...

个人理财

补满前5年养老金问题

澳大利亚现在是2023-2024年度,前5年,指的是2019-2020,2020-2021,2021-2022,2022-2023 加上这年?现在有几个问题想请教 1. 就算补2万一年,10万。这样的话,今年报税就会出现负值了怎么办?允许吗? ...

个人理财

请教换super

澳大利亚现在用的是ING,里面有股票和基金。想转到其他super,是可以直接在ATO上转,还是要先清空股票和基金,全部变成现金才能转? 另外,有没有费用比较低的super可以推荐?主要是买卖一些 ...

个人理财

ANZ plus 四大的免费账户,真的赞

澳大利亚四大里面,只有NAB和ANZ plus不收月租 NAB之烂大家有目共睹,现在几乎是连ATM都找不到了 ANZ plus直接在app上开户非常迅捷,而且开户后转款也是秒到 送实体visa卡 另送saver账户,利息4点多 ...

个人理财

亲测Wise 账户,和ING卡在中国的使用

澳大利亚leo哥我在国内机场用ING卡取人民币,没有任何问题,秒取 后来想往微信里充点钱,就从ING卡转钱到wise账户,秒到,然后wise账户再直接充到微信里,也是秒到,太方便了,汇率还相当不 ...

个人理财

信用卡盗刷,大家有遇到过吗

澳大利亚早上发现5个$18.2的付款,donation到一个叫做Chestertown river Arts的机构,从来没去过这些地方,我准备打电话给CBA dispute,大家有遇到过吗? 评论 经历过两次被盗刷,一次NAB信用卡,一次 ...

个人理财

Supper显示养老金年回报9.88%

澳大利亚诚心请教,我的super自从前年换了一家后,年回报率从负数变成了百分之9.88了 (诚心无炫耀成分)。这个正常吗?觉得有点too good to be true. 尤其是前年covid期间的负数一下跳到这么高。 ...

个人理财

美联储重磅消息-放缓缩表

澳大利亚这么大消息没人分享?美联储宣布放缓收紧缩表,6月正式执行,没人看这消息吗? http://edition.cnn.com/2024/05/ ... -trading/index.html 评论 反了,楼主,美联储要放缓缩表 The Fed announced that i ...

个人理财

请教reward 信用卡

澳大利亚我还从来没用过reward信用卡,但是朋友都推荐使用,说是可以攒积分换钱。但是我网上查这些卡的使用方法,都说积分是不能给商业购买行为的。怎么区分什么消费是商业购买什么不是 ...

个人理财

海外人员可以在哪些银行开账户

澳大利亚帮国内的亲戚打听一下,海外人员可以在哪些澳洲银行开账户呢?最好利息高一点,要求少一点的。纯海外人员,没有澳洲的签证和证件 评论 连澳大利亚签证都没有?开不了吧?既不够 ...

个人理财

养老金账户连年亏损

澳大利亚刚才计算了一下在Qsuper的养老金,过去若干年“绝大部分”财年都是投资亏损,每年还要缴纳不菲的账号管理费用,顿时心头冒火!!! 无法忍受这种无能的管理。必须得换一个。 另外 ...