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Old 09-27-2013, 11:06 AM   #29
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June of 13 filled up at a Love's. DW ran her card to max allowed by pump. It would not take her card a 2nd time, so I ran mine. I always look for weird things on the card reader and didn't see anything out of ordinary on this pump. Never the less a month later both our cards were partying in Vegas and didn't even invite us along. DW checks all card activity daily, but BofA got an email to us before she caught it. Just got the final credit to the account this week.

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Old 09-27-2013, 11:49 AM   #30
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I doesn't matter what all of you people do to protect your CC or your identity, this CC fraud business is well over 200 BILLION each year and growing. Most of that is done on the Internet not at the pump.

Even if you CC is chained to your hand if they want it they will get it.

So why go through all of the hassle, give it to them, pump your fuel, pay and leave.

Most of the time your CC Fraud Protection department will catch it before you do. Also check your CC transactions on-line frequently to catch any that are not yours.

When my CC Fraud department calls me the very first thing they ask is; Do you have your CC in your possession? Next did you make these charges for this amount on this day?

You can have your CC in your possession ALL of the time and STILL have it compromised. It happens - Get over it!

Dr4Film ----- Richard
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Old 09-27-2013, 01:07 PM   #31
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Originally Posted by Dr4Film View Post
I doesn't matter what all of you people do to protect your CC or your identity, this CC fraud business is well over 200 BILLION each year and growing. Most of that is done on the Internet not at the pump.

Even if you CC is chained to your hand if they want it they will get it.

So why go through all of the hassle, give it to them, pump your fuel, pay and leave.

Most of the time your CC Fraud Protection department will catch it before you do. Also check your CC transactions on-line frequently to catch any that are not yours.

When my CC Fraud department calls me the very first thing they ask is; Do you have your CC in your possession? Next did you make these charges for this amount on this day?

You can have your CC in your possession ALL of the time and STILL have it compromised. It happens - Get over it!

Dr4Film ----- Richard
I agree 100% with Richard's comments. Handing your card over at a gas station is no different than handing your card to the server at a restaurant. Any time the card is out of your possession, fraud can happen but if it does, the card issuing company is responsible. The CC companies have very sophisticated algorithms that can spot a fraudulent transaction just about every time. I had one occasion a few years ago when my card (which was in my wallet) got run in a mall in NY State for a couple of thousand dollars. Visa called me the same evening, and by next day the transactions had been cancelled and new cards were on the way by Fedex.
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Old 09-28-2013, 06:37 AM   #32
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I agree 100% with Richard's comments. Handing your card over at a gas station is no different than handing your card to the server at a restaurant. Any time the card is out of your possession, fraud can happen but if it does, the card issuing company is responsible. The CC companies have very sophisticated algorithms that can spot a fraudulent transaction just about every time. I had one occasion a few years ago when my card (which was in my wallet) got run in a mall in NY State for a couple of thousand dollars. Visa called me the same evening, and by next day the transactions had been cancelled and new cards were on the way by Fedex.

That's true but I find the minor hassle of keeping my card in my hand is far less than the hassle of having the card cancelled and replaced ... and then relinking my online payments to a new card. Is it foolproof ... no. Does it improve my odds of not having the card compromised ... I think so.

I also lock my doors and don't leave the keys in the ignition ... just sayin'.
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Old 09-28-2013, 10:05 AM   #33
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The problem, besides the thieves, is the credit card companies and by extension, us.

The credit card companies in this country so far have refused to take steps to make cards more secure. If you do a search for european credit card security you will find that many other nations have implimented security measures on their cards that are far more advanced than ours. Some credit card security specialists think that our measures here are at least 20 years behind other nations. Since other nations cards are superior in security than ours, our cards are the easiest to compromise and thus we suffer the most attacks.

The credit card companies here are very reluctant to initiate the changes necessary due to the cost of changeover. They figure it is still less costly to credit our accounts, ship out new cards, and pay staff to do all this than pay for the changeover to a more secure system.

The situation will not change until it costs the cc companies more money to credit our accounts for the fraud than to upgrade the system.
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Old 09-28-2013, 10:58 AM   #34
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Ladies and Gentlemen,

I retired from a Government agency and was employed as a civil service Information Security Specialist.

The only way to protect against your CC number being stolen is to not have a CC at all.

Let me clarify. There is a web site the professes to only have the site so mathematicians can study algorithms. On this web site are over 150 bank/CC companies. What one does is select the bank they want to use and it will provide the necessary numbers with the correct algorithm for the bank selected.

Now, take any hotel chain door access key card and with a card writer, put those numbers on the card. Go to a store and use the card. The "identity" thieves know what amount the store allows without doing an instant check and instead do batch processing at the end of the day. So if the amount is $300 (or $75 at the pump) that is the amount they will swipe the card for, then repeat the process.

Ever notice on your CC bill if you check it immediately after swiping at a pump there is only a $1 place holder. That is batch processing by the gas station. the process the cards at intervals or end of day transactions. It costs them less of a fee to do it that way.

Sorry this is long but I'd like to give some background.

During one of my seminars provided by the a Federal Law Enforcement Agency (Guess which one) they provided a demonstration of the web site I mentioned. They choose a bank and the web site provided them with a valid CC number. They put that number into a secure request and it popped up as belonging to an individual several states away.

So if by chance your number is stolen, it could be just a random act of someone selecting that number and using it. Or, you could have really been duped and the obtained the number in a different way.

When ordering on-line it is most likely that you will have to provide the 3 digit security code on the back of the card. This is a safeguard that you physically have access to the card. So, if a perpetrator has physical access to your card they could use those same 3 numbers for ordering on-line, if they just have the front of the card numbers they can use any magnetic strip and run it through a machine.

Remember several years ago when making a purchase at store you were required to show you CC and they would put in the last four numbers indicated that they looked at the card? That was a security check. Now-a-days when you go into a store and scan your card, you can just say last four are 1234 (use correct number) and the clerk will just enter it without looking at the card.

All my credit cards have in the signature block, "See ID" and I don't mind showing my id if they ask for it. 90% or more of the time I am never asked.

There are degrees of security. Not letting your credit card out of your sight is a higher level of security than not keeping it in sight. However, it is not fool proof.

Anyone wanting to see the web site, just PM me and I'll give it to you but I am not going to post it here and let the non-registered lurkers take advantage of it.

Happy trails.
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Old 09-28-2013, 12:04 PM   #35
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I have two credit cards.

The first one always stays home and all recurring bills are charged to that one. Not much chance of that one being compromised and all my bills get paid.

The second one is the one I carry and I charge everything I can for the rewards. If that one is compromised, it's just a minor inconvenience with no businesses to be notified.
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Old 09-29-2013, 08:13 AM   #36
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For online purchases I use Discover exclusively. They offer a secure virtual credit card number generator that links to your card. The virtual number is linked to one merchant only, so if that number is compromised it can not be used elsewhere. It also helps identify where the card was compromised. This has worked very well for us.
For gas purchases I use PenFed at the pump, I never go inside. It's been compromised once, but I think that was due to a attack on their system a few years ago that harvested a bunch of CC numbers. They stepped up and covered everything.
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Old 09-29-2013, 08:20 AM   #37
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Is the flyin J card a credit type card or a rewards card?
They call it a rewards card but you use it to pay for fuel at discounted prices. Right now its at 6 cents per gallon. You get billed by email and pay online.
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Old 09-30-2013, 06:39 AM   #38
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They call it a rewards card but you use it to pay for fuel at discounted prices. Right now its at 6 cents per gallon. You get billed by email and pay online.
I will look into it, thanks.
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Old 12-24-2013, 02:45 AM   #39
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I don't own a credit card, so never have to worry about that. I actually only go to full-service stations; roll down the window, hand the cash to the kid that just pumped the gas and washed the windows; I never get out of the rig at all; I've actually never pumped gas, not once in 40 years. If the gas station is self-serve I won't stop there at all.
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Old 12-24-2013, 07:40 AM   #40
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I don't own a credit card, so never have to worry about that. I actually only go to full-service stations; roll down the window, hand the cash to the kid that just pumped the gas and washed the windows; I never get out of the rig at all; I've actually never pumped gas, not once in 40 years. If the gas station is self-serve I won't stop there at all.
How do you find a full-serve gas station?? Near my home I only know of one. It is 20 mile away.

My guess is you might run out gas if you travel where I've been ??

Russell
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Old 12-24-2013, 07:56 AM   #41
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I don't own a credit card, so never have to worry about that. I actually only go to full-service stations; roll down the window, hand the cash to the kid that just pumped the gas and washed the windows; I never get out of the rig at all; I've actually never pumped gas, not once in 40 years. If the gas station is self-serve I won't stop there at all.
If you lived in FL where I do, there would be another means of transportation needed. I haven't seen a full service station here in 25 years.
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Old 12-26-2013, 12:31 PM   #42
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Consider what others have posted. To KISS the process, use the PFJ Charge Card. I use the version that pulls the amount owed from my checking account each month. One swipe, enter my PIN and I am good to pump all the fuel I need. No going inside. Go to Pilot RV Plus - Program Details and read about it. Being a life member of GS I get 6 cents on gas and 8 cents on diesel off of the cash price. For me, the benefit of PFJ is their available just about anywhere and the easy in and out for the coach and toad. Plus, if it is the middle of the day, one can pull into a parking space and have lunch. During the middle of the day, there are usually plenty of spaces available.
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