|Posted on Friday, September 07, 2018 - 03:34 pm: ||
Folks who know me understand that I'm extremely opposed to online credit card purchased and NEVER do it...Well, I set up a card and account specifically to minimize risk in the event that I absolutely have to purchase something online. Of course within 10 business days of using the card to purchase plugs and brake pads for my Uly the card was hit...and I didn't even do it as an online purchase. I called the merchant and placed the order over the phone.
Beware of Chaparral Motorsports and DennisKirk.com. It is a certainty that one of them mishandled my card information causing me to be a victim of fraud.
|Posted on Friday, September 07, 2018 - 03:50 pm: ||
First thing, it is very possible neither of those companies were responsible. Credit card fraud is rampant, I've had cards that I literally never once used get hit, as there are bots that brute force various card numbers and security codes to try and get a hit. The sequences are well known, so it isn't hard to get a valid combo when you are processing hundreds per minute.
Also, placing an order online is safer than over the phone. Phone lines are very easy to tap into, humans are stupid and greedy. It is very easy for the person on the phone to write down your details for later, or possibly not even securely dispose of them when finished then they were stolen by a 3rd party.
Many credit card companies offer services to allow you to generate one time use card numbers, I do that on sites I don't trust, or if you use Paypal, your credit card information is never exposed to the vendor.
|Posted on Friday, September 07, 2018 - 04:01 pm: ||
A credit card purchase online is actually safer than using the card in person or via a phone purchase. With an online purchase, your card account number never gets into the hands of a person.
While major business security compromises do get a lot of airplay, the number of accounts compromised in this manner is small when compared to the frequency of direct theft by a person.
|Posted on Friday, September 07, 2018 - 05:05 pm: ||
|Posted on Friday, September 07, 2018 - 05:35 pm: ||
Why not use PayPal? I've never had a problem with them and have made multiple purchases from Chaparral and Dennis Kirk.
I've had problems with gas stations so only pay cash when I fill up these days.
|Posted on Friday, September 07, 2018 - 06:21 pm: ||
Tow company I worked for got hit many times at gas stations. I use prepaid fuel cards.
|Posted on Friday, September 07, 2018 - 06:21 pm: ||
Trust me folks. 30 years in DOD/aerospace computer engineering and a strong mathematical background in cryptography so to say that I'm careful/paranoid is an understatement. I know my habits and personal security methods. One of the two mentioned firms IS RESPONSIBLE. The card was only issued a few months ago and was not being used at all except for those purchases, then hit with fraud within 10 days of those transactions. My guess is that one of the two operators I spoke with was probably thru an outsourced call handling center and scammed my card info then I read it to her.
|Posted on Friday, September 07, 2018 - 07:18 pm: ||
So your problem is that someone stole your credit card info that you gave over the phone?
The internet had nothing to do with it, other than these companies are internet based?
What cc doesn't have zero fraud liability, anyway? All mine do and always have, but i've only had CCs for 20 years. Of course, its a pain when you are on a trip or something and they pop your card and cancel it, but if you travel and plan on using a CC its probably a poor decision to not have a backup CC anyway
|Posted on Tuesday, September 18, 2018 - 11:34 am: ||
Chapp and Dennis Kirk are very reputable businesses and well respected in the motorsports industries.
What many do not realize is that 90% of their business is done online with no human interaction. The security put in place by their websites is required by the CC companies to protect the information being collected.
In fact, so few actually call in to place orders, these firms outsource their call centers for order taking to large call centers that literally sit on the phone and enter your orders on their website for you.
What you experienced is a flaw in that outsourced call center and not the vendor itself.(although they are ultimately responsible) This is the reason why you have a choice of choosing support or ordering when calling into one of these firms as they go to separate places.
Time to ditch the old ways of physically handing your card, or verbally saying your card numbers. As the flaw in this particular case was not on the shoulders of they system as it was used in a way that bypassed all the security put in place.
Sorry, the tech geek in my came out a bit, but without going into details, I design data centers for online merchants, and the protection put in place to protect private information is amazing if you don't manually bypass it like this.
Sorry for your bad experience.
I was at a very large sled show, grass drags and swap meet this month. Large vendors like Dennis Kirk, First Place parts etc had large tents onsite. As well as over 15 acres of swap meet.
What they offered were huge discounts on discontinued merch in their tent, and discounts off new lines. But if you could not find it there, and you refused to use the internet, they had kiosks with employees who sat at a computer, would find what you wanted and place the order with you. Just show how easy and secure it was to do on your own. It's vendors like this that are bringing folks up to speed on the ease of use and security that is actually in place. I found that refreshing for the old timers and the technically challenged that go to the swap just to avoid online shopping. I think they appreciated it.
|Posted on Friday, September 21, 2018 - 11:48 am: ||
Working a recent expo, I had a credit card processing machine owned by an expo vendor print a report of the transactions it handled on a given day and on a long stream of receipt paper, it dumped the card number and exp date of each transaction.
He looks at the long tape stream and grumbles, "this isn't what I wanted", crumples the tape up and pitches it.
There must have been 60 or more cards on that one piece of paper, half wadded up and in the garbage.
Yeah, security... its as good as the counter clerk who scribbles your info down on a piece of paper and dumps it when they're done.
The PCI compliance rules for businesses legitimately processing credit cards 100's of times a day (or week) electronically help to secure the digital process but it still only takes one careless soul handling your info to compromise you.