Terence Eden’s Blog<p><strong>Protecting Against Credit Card Scams</strong></p><p><a href="https://shkspr.mobi/blog/2012/07/protecting-against-credit-card-scams/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://</span><span class="ellipsis">shkspr.mobi/blog/2012/07/prote</span><span class="invisible">cting-against-credit-card-scams/</span></a></p><p></p><p>I recently read about <a href="http://www.daniweb.com/hardware-and-software/microsoft-windows/viruses-spyware-and-other-nasties/news/427284/warning-dial-999-card-fraud-scam" rel="nofollow noopener" target="_blank">an innovative telephone call scam</a>.</p><p>A scammer rings the mark and asks for her credit card details. If the mark refuses, the scammer tells her to hang up the phone, then dial 999 and ask for "Sergeant Scammer of the Fraud Squad".</p><p>The mark does so, and is connected to what they assume is the emergency services. However, because the scammer hasn't hung up at their end, the call is still active. So the mark isn't speaking to 999, but to the scammer.</p><p>Pretty devious. Luckily, it can't work on mobile. But it got me thinking - how could you get someone to give you credit card details over the phone? I'm inspired by both <a href="http://www.schneier.com/blog/archives/2006/06/movieplot_threa_1.html" rel="nofollow noopener" target="_blank">Bruce Schneier's "Movie Plot Threat"</a> competitions and <a href="http://www.amazon.co.uk/mn/search/?_encoding=UTF8&camp=1634&creative=19450&field-keywords=mitnick&linkCode=ur2&tag=shkspr-21&url=search-alias%3Daps&x=0&y=0" rel="nofollow noopener" target="_blank">Kevin Mitnick's work on Social Engineering</a>.</p><p>Trying to think like "the enemy" is a crucial part of understanding how nefarious people can exploit a situation. I think it should be considered the seventh "<a href="http://en.wikipedia.org/wiki/Six_Thinking_Hats" rel="nofollow noopener" target="_blank">thinking hat</a>".</p><p><strong>The Goal</strong></p><p>I want the victim to willingly give me her credit card details. I do not want her to be suspicious or report my activity to the police.</p><p><strong>The Strategy</strong></p><ul><li>The victim receives a text on her phone.</li><li><blockquote><p>"Your Barclay's credit card (starting 4304) was recently used to buy £2,103.54 worth of goods in China. If you wish to dispute this transaction, please call 0113 496 0123."</p></blockquote></li><li>The victim checks her BarclayCard - it <em>does</em> start 4304. Damn! She rings the number.</li><li>"Welcome to the BarclayCard fraud line," says the voice at the other end.</li><li>"To protect your security, please type in your sixteen digit card number," says the automated voice. So that's what the victim does.</li><li>... after typing in several more details, the victim finally gets through to the scammer.</li><li>At this point, the scammer can attempt to get more information - such as home address - or simply assure the victim that the fraud has been reported.</li><li>"Unfortunately," the fraudster says, "the £2,103.54 will show up on your July statement. But you will see the refund on the August statement."</li></ul><p><strong>How It Works</strong></p><p>There are a number of factors which go into making this a potentially successful scam.</p><ol><li>People are quite used to receiving texts from their card issuer.</li><li>It's quite common to be asked to confirm a suspicious transaction.</li><li>Credit cards number have a <a href="https://www.creditcardvalidator.org/country/gb-united-kingdom" rel="nofollow noopener" target="_blank">predictable start sequence</a>. That's why credit card receipts often show you only the last few digits. This tricks the victim into thinking that the scammer knowa two crucial pieces of information; the credit card issuer and the credit card number.</li><li>We're trained not to give details to strangers who ring us up. By contrast, we're expected to give details to people <strong>when we ring them</strong>!</li><li>You can't argue or otherwise interrogate an IVR. You either have to give that disembodied voice your details or hang up.</li><li>Again, we're quite used to typing in our credit card details and then pressing the hash key!</li><li>If we do get through to a real person, the standard Social Engineering tricks all apply. Only, in this case, not only is the victim worried about the potential fraud, she has also primed herself into thinking she's speaking with her credit card provider.</li><li>At this point, the scammer knows that they can use the card for a fraudulent purchase <em>and the victim won't report it</em>! It will only be after two statements have been received that the victim will notice that she hasn't been refunded.</li></ol><p><strong>Problems</strong></p><p>Now, this fraud isn't without issue. The most notable being that you do not know who has a credit card issued by a specific provider. The scammer would either need some third party intelligence that their victims all use HSBC, or they could just go on a phishing expedition. Spam a few thousand numbers and there will bound to be a few which have the card which is being targeted.</p><p><strong>How To Do It</strong></p><p>Using services like <a href="https://www.twilio.com/" rel="nofollow noopener" target="_blank">Twilio</a> and <a href="https://web.archive.org/web/20120510161936/https://www.tropo.com/home.jsp" rel="nofollow noopener" target="_blank">Tropo</a>, it's quite easy to create a telephone menu. It can play back a recorded voice, save all the user's keypresses, then pass the call on to the scammer.</p><p>They can even handle the automated sending of the text messages, playing back different messages depending on the caller - "Welcome to HSBC", "Welcome to American Express", etc.</p><p><strong>Defending Against This Scam</strong></p><p>There are three main strategies for defending against this scam - and they all boil down to trust</p><p><strong>Don't Trust An Unknown Phone Number</strong></p><p>Save your credit card provider's phone number in your address book. That is the only number you should ring. If someone rings you - tell them that you will take their name and call them back on the official number. If you receive a text - call the official number to check it is legitimate.</p><p><strong>Don't Trust Partial Information</strong></p><p>The first few numbers of your credit card are fairly generic. Trusting someone who guesses your Visa Electron starts with "4197" is like trusting a psychic who says "You were a bit of a handful growing up, especially in your teens." It's such general information as to be worthless.</p><p><strong>Don't Trust The Other Person</strong></p><p>I sometimes act deviously. When asked to give my address, I'll give an incorrect house number or post code. If the person at the other end doesn't pick up on the mistake, I assume I'm talking to a scammer. Similarly, you don't have to trust interactive menus. You can input incorrect information, and see if it is accepted without complaint - a sure sign of a scam. Or see if it gets you through to a human.</p><p><strong>Is This Scam Possible?</strong></p><p>One hurdle is targeting enough people who have the "correct" credit card. The scam would work without the credit card info, but may be less effective.</p><p>The cost of sending out the texts is also a constraint. Although text bundles are relatively cheap now.</p><p>Shutting down the numbers - or tracing them - is perhaps the biggest issue. Buying a disposable pre-pay SIM is virtually anonymous. A landline number is probably fairly easy to trace - assuming the police have the time and staffing levels to investigate such a scam.</p><p>And that may be the deciding issue. If someone reports a suspicious text to the police or their credit card provider, how quickly can the number be shut down? If the scammer is sending out hundreds of fraudulent SMS an hour, it would only take a few responses to make the scheme worthwhile.</p><p><strong>Disclaimer</strong></p><p>Naturally, you should not attempt this. The penalties for credit card fraud a very serious. This is intended as a thought experiment.</p><p>If you want people to willingly give up their credit card information - take a look at the <a href="https://twitter.com/NeedADebitCard" rel="nofollow noopener" target="_blank">morons on Twitter posting photos of their cards</a>!</p><p></p><p><a rel="nofollow noopener" class="hashtag u-tag u-category" href="https://shkspr.mobi/blog/tag/credit-card/" target="_blank">#creditCard</a> <a rel="nofollow noopener" class="hashtag u-tag u-category" href="https://shkspr.mobi/blog/tag/fraud/" target="_blank">#fraud</a> <a rel="nofollow noopener" class="hashtag u-tag u-category" href="https://shkspr.mobi/blog/tag/scam/" target="_blank">#scam</a> <a rel="nofollow noopener" class="hashtag u-tag u-category" href="https://shkspr.mobi/blog/tag/sms/" target="_blank">#sms</a> <a rel="nofollow noopener" class="hashtag u-tag u-category" href="https://shkspr.mobi/blog/tag/tropo/" target="_blank">#tropo</a> <a rel="nofollow noopener" class="hashtag u-tag u-category" href="https://shkspr.mobi/blog/tag/twilio/" target="_blank">#twilio</a> <a rel="nofollow noopener" class="hashtag u-tag u-category" href="https://shkspr.mobi/blog/tag/voice/" target="_blank">#voice</a></p>
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UK<p><a href="https://www.europesays.com/uk/224902/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="">europesays.com/uk/224902/</span><span class="invisible"></span></a> Ramsey Show hosts urge young woman whose mom racked up $186K of debt in her name to embrace a ‘paradigm shift’ <a href="https://pubeurope.com/tags/Business" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Business</span></a> <a href="https://pubeurope.com/tags/CreditCard" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditCard</span></a> <a href="https://pubeurope.com/tags/CreditCardDebt" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditCardDebt</span></a> <a href="https://pubeurope.com/tags/CreditScore" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditScore</span></a> <a href="https://pubeurope.com/tags/DebtCollector" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>DebtCollector</span></a> <a href="https://pubeurope.com/tags/Finance" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Finance</span></a> <a href="https://pubeurope.com/tags/jessica" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>jessica</span></a> <a href="https://pubeurope.com/tags/KenColeman" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>KenColeman</span></a> <a href="https://pubeurope.com/tags/ParadigmShift" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>ParadigmShift</span></a> <a href="https://pubeurope.com/tags/PersonalFinance" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>PersonalFinance</span></a> <a href="https://pubeurope.com/tags/TheRamseyShow" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>TheRamseyShow</span></a> <a href="https://pubeurope.com/tags/UK" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>UK</span></a> <a href="https://pubeurope.com/tags/UnitedKingdom" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>UnitedKingdom</span></a></p>
US<p><a href="https://www.europesays.com/us/24690/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="">europesays.com/us/24690/</span><span class="invisible"></span></a> Ramsey Show hosts urge young woman whose mom racked up $186K of debt in her name to embrace a ‘paradigm shift’ <a href="https://pubeurope.com/tags/Business" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Business</span></a> <a href="https://pubeurope.com/tags/CreditCard" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditCard</span></a> <a href="https://pubeurope.com/tags/CreditCardDebt" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditCardDebt</span></a> <a href="https://pubeurope.com/tags/CreditScore" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditScore</span></a> <a href="https://pubeurope.com/tags/DebtCollector" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>DebtCollector</span></a> <a href="https://pubeurope.com/tags/jessica" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>jessica</span></a> <a href="https://pubeurope.com/tags/KenColeman" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>KenColeman</span></a> <a href="https://pubeurope.com/tags/ParadigmShift" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>ParadigmShift</span></a> <a href="https://pubeurope.com/tags/PersonalFinance" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>PersonalFinance</span></a> <a href="https://pubeurope.com/tags/TheRamseyShow" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>TheRamseyShow</span></a> <a href="https://pubeurope.com/tags/UnitedStates" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>UnitedStates</span></a> <a href="https://pubeurope.com/tags/UnitedStates" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>UnitedStates</span></a> <a href="https://pubeurope.com/tags/US" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>US</span></a></p>
Nonilex<p>Under President Joe <a href="https://masto.ai/tags/Biden" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Biden</span></a>, the agency had sought to cap <a href="https://masto.ai/tags/CreditCard" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditCard</span></a> late <a href="https://masto.ai/tags/fees" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>fees</span></a> at $8 & <a href="https://masto.ai/tags/overdraft" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>overdraft</span></a> fees at $5. The <a href="https://masto.ai/tags/Trump" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Trump</span></a> admin's move to end those policies should together cost <a href="https://masto.ai/tags/consumers" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>consumers</span></a> $15 billion a year, according to the statement.</p><p>The dismissal of 22 enforcement cases that were pending when Biden left office in Jan — including actions against JP Morgan Chase, Bank of America, Wells Fargo & Capital One — involved more than $3 billion in alleged harm to consumers.</p>
UK<p><a href="https://www.europesays.com/uk/203737/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="">europesays.com/uk/203737/</span><span class="invisible"></span></a> ‘I’m an expert at TSB Bank – here are 10 money tips to get you through summer’ | Personal Finance | Finance <a href="https://pubeurope.com/tags/Business" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Business</span></a> <a href="https://pubeurope.com/tags/CreditCard" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditCard</span></a> <a href="https://pubeurope.com/tags/Finance" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Finance</span></a> <a href="https://pubeurope.com/tags/ForeignCurrencySavingsTips" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>ForeignCurrencySavingsTips</span></a> <a href="https://pubeurope.com/tags/Heatwave" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Heatwave</span></a> <a href="https://pubeurope.com/tags/Holiday" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Holiday</span></a> <a href="https://pubeurope.com/tags/HolidayScamsPrevention" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>HolidayScamsPrevention</span></a> <a href="https://pubeurope.com/tags/Insurance" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Insurance</span></a> <a href="https://pubeurope.com/tags/InterestRates" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>InterestRates</span></a> <a href="https://pubeurope.com/tags/MoneySaving" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>MoneySaving</span></a> <a href="https://pubeurope.com/tags/PersonalFinance" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>PersonalFinance</span></a> <a href="https://pubeurope.com/tags/Savings" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Savings</span></a> <a href="https://pubeurope.com/tags/Scams" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Scams</span></a> <a href="https://pubeurope.com/tags/SummerBudgeting" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>SummerBudgeting</span></a> <a href="https://pubeurope.com/tags/SummerSavingsTips" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>SummerSavingsTips</span></a> <a href="https://pubeurope.com/tags/t" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>t</span></a> <a href="https://pubeurope.com/tags/TravelMoney" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>TravelMoney</span></a> <a href="https://pubeurope.com/tags/TSBBank" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>TSBBank</span></a> <a href="https://pubeurope.com/tags/TSBBankSavings" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>TSBBankSavings</span></a> <a href="https://pubeurope.com/tags/TSBSaveThePennies" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>TSBSaveThePennies</span></a> <a href="https://pubeurope.com/tags/UK" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>UK</span></a> <a href="https://pubeurope.com/tags/UnitedKingdom" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>UnitedKingdom</span></a></p>
Europe Says<p><a href="https://www.europesays.com/2182685/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="">europesays.com/2182685/</span><span class="invisible"></span></a> ‘I’m an expert at TSB Bank – here are 10 money tips to get you through summer’ | Personal Finance | Finance <a href="https://pubeurope.com/tags/business" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>business</span></a> <a href="https://pubeurope.com/tags/CreditCard" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditCard</span></a> <a href="https://pubeurope.com/tags/ForeignCurrencySavingsTips" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>ForeignCurrencySavingsTips</span></a> <a href="https://pubeurope.com/tags/heatwave" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>heatwave</span></a> <a href="https://pubeurope.com/tags/holiday" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>holiday</span></a> <a href="https://pubeurope.com/tags/HolidayScamsPrevention" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>HolidayScamsPrevention</span></a> <a href="https://pubeurope.com/tags/Insurance" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Insurance</span></a> <a href="https://pubeurope.com/tags/InterestRates" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>InterestRates</span></a> <a href="https://pubeurope.com/tags/MoneySaving" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>MoneySaving</span></a> <a href="https://pubeurope.com/tags/PersonalFinance" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>PersonalFinance</span></a> <a href="https://pubeurope.com/tags/savings" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>savings</span></a> <a href="https://pubeurope.com/tags/Scams" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Scams</span></a> <a href="https://pubeurope.com/tags/SummerBudgeting" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>SummerBudgeting</span></a> <a href="https://pubeurope.com/tags/SummerSavingsTips" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>SummerSavingsTips</span></a> <a href="https://pubeurope.com/tags/t" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>t</span></a> <a href="https://pubeurope.com/tags/TravelMoney" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>TravelMoney</span></a> <a href="https://pubeurope.com/tags/TSBBank" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>TSBBank</span></a> <a href="https://pubeurope.com/tags/TSBBankSavings" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>TSBBankSavings</span></a> <a href="https://pubeurope.com/tags/TSBSaveThePennies" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>TSBSaveThePennies</span></a></p>
US<p><a href="https://www.europesays.com/us/628/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="">europesays.com/us/628/</span><span class="invisible"></span></a> Canadian credit card data for Q1 show growing strain <a href="https://pubeurope.com/tags/AndrewFrancisWallace" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>AndrewFrancisWallace</span></a> <a href="https://pubeurope.com/tags/Business" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Business</span></a> <a href="https://pubeurope.com/tags/CreditCard" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditCard</span></a> <a href="https://pubeurope.com/tags/CreditCardData" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditCardData</span></a> <a href="https://pubeurope.com/tags/CreditHistory" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditHistory</span></a> <a href="https://pubeurope.com/tags/Economy" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Economy</span></a> <a href="https://pubeurope.com/tags/UnitedStates" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>UnitedStates</span></a> <a href="https://pubeurope.com/tags/UnitedStates" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>UnitedStates</span></a> <a href="https://pubeurope.com/tags/US" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>US</span></a></p>
UK<p><a href="https://www.europesays.com/uk/175114/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="">europesays.com/uk/175114/</span><span class="invisible"></span></a> How to use UPI to pay credit card bills on PhonePe? Explained in simple steps <a href="https://pubeurope.com/tags/CreditCard" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditCard</span></a> <a href="https://pubeurope.com/tags/CreditCardBillPayments" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditCardBillPayments</span></a> <a href="https://pubeurope.com/tags/CreditCardPayment" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditCardPayment</span></a> <a href="https://pubeurope.com/tags/CreditCardPaymentOnPhonePe" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditCardPaymentOnPhonePe</span></a> <a href="https://pubeurope.com/tags/CreditCards" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditCards</span></a> <a href="https://pubeurope.com/tags/Mobile" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Mobile</span></a> <a href="https://pubeurope.com/tags/PayCreditCardBillsUsingUPI" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>PayCreditCardBillsUsingUPI</span></a> <a href="https://pubeurope.com/tags/PersonalFinance" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>PersonalFinance</span></a> <a href="https://pubeurope.com/tags/PhonePe" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>PhonePe</span></a> <a href="https://pubeurope.com/tags/Technology" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Technology</span></a> <a href="https://pubeurope.com/tags/tokenisation" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>tokenisation</span></a> <a href="https://pubeurope.com/tags/UK" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>UK</span></a> <a href="https://pubeurope.com/tags/UnitedKingdom" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>UnitedKingdom</span></a> <a href="https://pubeurope.com/tags/UpiPayments" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>UpiPayments</span></a></p>
Jonathan Kamens 86 47<p>I've been wondering why my bank is pushing me to redeem <a href="https://federate.social/tags/creditCard" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>creditCard</span></a> <a href="https://federate.social/tags/cashBack" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>cashBack</span></a> with every charge rather than asking for a statement credit at the end of the month. I think I just figured it out…<br>Every time I redeem points, my point balance, _including fractional points_, is zeroed out.<br>If I wait until the end of the month, all of the fractional points from different transactions add up. If I redeem incrementally, most of them get erased and the bank has to pay me less cash back. 🤔</p>
Europe Says<p><a href="https://www.europesays.com/2129265/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="">europesays.com/2129265/</span><span class="invisible"></span></a> Mastercard offers Touch Card in Canada for blind users <a href="https://pubeurope.com/tags/Canad%C3%A1" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Canadá</span></a> <a href="https://pubeurope.com/tags/CreditCard" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditCard</span></a> <a href="https://pubeurope.com/tags/FinancialInclusion" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>FinancialInclusion</span></a> <a href="https://pubeurope.com/tags/investment" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>investment</span></a> <a href="https://pubeurope.com/tags/Payments" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Payments</span></a> <a href="https://pubeurope.com/tags/PrepaidCard" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>PrepaidCard</span></a></p>
Alo Japan<p><a href="https://www.alojapan.com/1286613/as-japans-rice-prices-soar-scammers-cash-in-on-hunger-for-cheap-deals/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="ellipsis">alojapan.com/1286613/as-japans</span><span class="invisible">-rice-prices-soar-scammers-cash-in-on-hunger-for-cheap-deals/</span></a> As Japan’s rice prices soar, scammers cash in on hunger for cheap deals #<a href="https://channels.im/tags/supermarkets" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>supermarkets</span></a> <a href="https://channels.im/tags/ConsumerAffairsCentre" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>ConsumerAffairsCentre</span></a> <a href="https://channels.im/tags/CreditCard" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditCard</span></a> <a href="https://channels.im/tags/Japan" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Japan</span></a> <a href="https://channels.im/tags/JapanNews" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>JapanNews</span></a> <a href="https://channels.im/tags/NationalConsumerAffairsCentreOfJapan" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>NationalConsumerAffairsCentreOfJapan</span></a> <a href="https://channels.im/tags/news" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>news</span></a> <a href="https://channels.im/tags/rice" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>rice</span></a> <a href="https://channels.im/tags/scam" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>scam</span></a> <a href="https://channels.im/tags/ShinjiroKoizumi" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>ShinjiroKoizumi</span></a> <a href="https://channels.im/tags/sunglasses" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>sunglasses</span></a> <a href="https://channels.im/tags/VideoSharingApp" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>VideoSharingApp</span></a> <a href="https://channels.im/tags/websites" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>websites</span></a> Japan’s consumer affairs centre has called on people grappling with soaring rice prices to beware of websites claiming to sell the staple at heavily discounted prices. The National Consumer Affa…</p>
DJM (freelance for hire)<p>Nordics and Estonia rolling out offline card payment back-up in case internet cut</p><p><a href="https://www.reuters.com/business/finance/nordics-estonia-plan-offline-card-payment-back-up-if-internet-cut-2025-05-07/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="ellipsis">reuters.com/business/finance/n</span><span class="invisible">ordics-estonia-plan-offline-card-payment-back-up-if-internet-cut-2025-05-07/</span></a></p><p>Or, just in case the US "democrature" decides to cut access to <a href="https://masto.ai/tags/Visa" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Visa</span></a> and <a href="https://masto.ai/tags/Mastercard" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Mastercard</span></a> perhaps? As a "pressure tactic" against EU (or Canada), for example...</p><p><a href="https://masto.ai/tags/Internet" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Internet</span></a> <a href="https://masto.ai/tags/USPol" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>USPol</span></a> <a href="https://masto.ai/tags/EU" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>EU</span></a> <a href="https://masto.ai/tags/CreditCard" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditCard</span></a></p>
Nonilex<p><a href="https://masto.ai/tags/Immigration" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Immigration</span></a> officials are seeking photographs of the outside of envelopes & packages — an Inspection Service program known as “mail covers” — & <a href="https://masto.ai/tags/access" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>access</span></a> to the <a href="https://masto.ai/tags/postal" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>postal</span></a> investigation agency’s broad <a href="https://masto.ai/tags/surveillance" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>surveillance</span></a> systems, including Postal Service online account <a href="https://masto.ai/tags/data" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>data</span></a>, package- & <a href="https://masto.ai/tags/mail" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>mail</span></a>-tracking info, <a href="https://masto.ai/tags/CreditCard" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditCard</span></a> data & <a href="https://masto.ai/tags/financial" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>financial</span></a> material & <a href="https://masto.ai/tags/IP" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>IP</span></a> addresses….</p><p><a href="https://masto.ai/tags/law" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>law</span></a> <a href="https://masto.ai/tags/privacy" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>privacy</span></a> <a href="https://masto.ai/tags/InfoSec" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>InfoSec</span></a> <a href="https://masto.ai/tags/USPS" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>USPS</span></a> <a href="https://masto.ai/tags/Trump" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Trump</span></a> <a href="https://masto.ai/tags/AbuseOfPower" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>AbuseOfPower</span></a></p>
your auntifa liza 🇵🇷 🦛 🦦<p>what the “got mine” crowd haven’t reckoned with yet: Republicans will reverse all the forgiven student then small business loans; then they’ll go after anybody carrying <a href="https://mastodon.social/tags/creditCard" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>creditCard</span></a> <a href="https://mastodon.social/tags/medical" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>medical</span></a> <a href="https://mastodon.social/tags/mortgage" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>mortgage</span></a> debt.</p><p>the <a href="https://mastodon.social/tags/techbros" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>techbros</span></a> decided the real wars are <a href="https://mastodon.social/tags/class" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>class</span></a> <a href="https://mastodon.social/tags/wars" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>wars</span></a> , and to justify their ridiculous valuations this is what they’re doing: militarizing the tech-financial state to police & garnish people’s <a href="https://mastodon.social/tags/incomes" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>incomes</span></a> <a href="https://mastodon.social/tags/wages" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>wages</span></a></p><p>and they want more slavery with debtors’ prisons</p><p><a href="https://mastodon.online/@billyjoebowers/114389579749690138" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://</span><span class="ellipsis">mastodon.online/@billyjoebower</span><span class="invisible">s/114389579749690138</span></a></p>
The New Oil<p>New <a href="https://mastodon.thenewoil.org/tags/Android" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Android</span></a> <a href="https://mastodon.thenewoil.org/tags/malware" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>malware</span></a> steals your credit cards for <a href="https://mastodon.thenewoil.org/tags/NFC" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>NFC</span></a> relay attacks</p><p><a href="https://www.bleepingcomputer.com/news/security/supercard-x-android-malware-use-stolen-cards-in-nfc-relay-attacks/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="ellipsis">bleepingcomputer.com/news/secu</span><span class="invisible">rity/supercard-x-android-malware-use-stolen-cards-in-nfc-relay-attacks/</span></a></p><p><a href="https://mastodon.thenewoil.org/tags/cybersecurity" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>cybersecurity</span></a> <a href="https://mastodon.thenewoil.org/tags/PersonalFinance" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>PersonalFinance</span></a> <a href="https://mastodon.thenewoil.org/tags/CreditCard" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditCard</span></a></p>
Europe Says<p><a href="https://www.europesays.com/2002351/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="">europesays.com/2002351/</span><span class="invisible"></span></a> Data breach may have exposed info of thousands in NH <a href="https://pubeurope.com/tags/AG" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>AG</span></a> <a href="https://pubeurope.com/tags/Apple" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Apple</span></a>|GooglePlay <a href="https://pubeurope.com/tags/CarRental" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CarRental</span></a> <a href="https://pubeurope.com/tags/contact" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>contact</span></a> <a href="https://pubeurope.com/tags/ContactInformation" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>ContactInformation</span></a> <a href="https://pubeurope.com/tags/CreditCard" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditCard</span></a> <a href="https://pubeurope.com/tags/CreditCardInformation" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditCardInformation</span></a> <a href="https://pubeurope.com/tags/Data" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Data</span></a> <a href="https://pubeurope.com/tags/DataBreach" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>DataBreach</span></a> <a href="https://pubeurope.com/tags/download" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>download</span></a> <a href="https://pubeurope.com/tags/driver" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>driver</span></a> <a href="https://pubeurope.com/tags/Driver" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Driver</span></a>'sLicenseInformation <a href="https://pubeurope.com/tags/FreeWmurApp" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>FreeWmurApp</span></a> <a href="https://pubeurope.com/tags/Hacker" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Hacker</span></a> <a href="https://pubeurope.com/tags/Hertz" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Hertz</span></a> <a href="https://pubeurope.com/tags/IdentityMonitoring" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>IdentityMonitoring</span></a> <a href="https://pubeurope.com/tags/info" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>info</span></a> <a href="https://pubeurope.com/tags/LawFirm" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>LawFirm</span></a> <a href="https://pubeurope.com/tags/LicenseInformation" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>LicenseInformation</span></a> <a href="https://pubeurope.com/tags/NewHampshire" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>NewHampshire</span></a> <a href="https://pubeurope.com/tags/NewHampshireAttorneyGeneral" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>NewHampshireAttorneyGeneral</span></a> <a href="https://pubeurope.com/tags/NH" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>NH</span></a> <a href="https://pubeurope.com/tags/people" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>people</span></a> <a href="https://pubeurope.com/tags/RentalCarCompany" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>RentalCarCompany</span></a></p>
Dr. Motte<p>Ich habe heute mein <a href="https://mastodon.social/tags/Abo" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Abo</span></a> bei <a href="https://mastodon.social/tags/soundcloud" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>soundcloud</span></a> gekündigt.<br>Warum?<br>Wenn ich die <a href="https://mastodon.social/tags/Zahlung" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Zahlung</span></a> des Pro Account nicht mehr mit <a href="https://mastodon.social/tags/paypal" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>paypal</span></a> bezahlen will, sondern mit <a href="https://mastodon.social/tags/creditcard" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>creditcard</span></a>, ist dies der einzige Weg.<br>-<br><a href="https://mastodon.social/tags/unplugtrump" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>unplugtrump</span></a></p>
Nonilex<p>Judge Pittman, an appointee of <a href="https://masto.ai/tags/Trump" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Trump</span></a>, agreed w/both sides that the rule violated the <a href="https://masto.ai/tags/CreditCard" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditCard</span></a> Accountability & Disclosure Act of 2009 because it prohibited issuers from charging fees "reasonable & proportional to violations."</p><p>The rule capped late fees for issuers with >1M open accounts unless they could prove higher fees were necessary to cover costs.<br>It was part of <a href="https://masto.ai/tags/Biden" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Biden</span></a>'s crackdown on "junk fees," & was intended to reduce the typical late fee from about $32.</p><p><a href="https://masto.ai/tags/law" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>law</span></a><br><a href="https://www.consumerfinance.gov/about-us/newsroom/cfpb-bans-excessive-credit-card-late-fees-lowers-typical-fee-from-32-to-8/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="ellipsis">consumerfinance.gov/about-us/n</span><span class="invisible">ewsroom/cfpb-bans-excessive-credit-card-late-fees-lowers-typical-fee-from-32-to-8/</span></a></p>
Nonilex<p>Judge scraps US rule capping <a href="https://masto.ai/tags/CreditCard" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditCard</span></a> late fees at $8</p><p>U.S. District Judge Mark Pittman in Fort Worth, <a href="https://masto.ai/tags/Texas" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Texas</span></a> granted a joint request by <a href="https://masto.ai/tags/Trump" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Trump</span></a>’s <a href="https://masto.ai/tags/CFPB" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CFPB</span></a> and a coalition of 6 business & banking groups [pretty much who the CFPB is supposed to be protecting <a href="https://masto.ai/tags/consumers" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>consumers</span></a> from] including the US Chamber of <a href="https://masto.ai/tags/Commerce" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Commerce</span></a> & American <a href="https://masto.ai/tags/Bankers" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Bankers</span></a> Association to scrap the rule adopted during President Joe <a href="https://masto.ai/tags/Biden" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Biden</span></a>'s administration.</p><p><a href="https://masto.ai/tags/law" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>law</span></a> <a href="https://masto.ai/tags/economy" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>economy</span></a> <a href="https://masto.ai/tags/PersonalFinance" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>PersonalFinance</span></a> <br><a href="https://www.reuters.com/business/finance/judge-scraps-us-rule-capping-credit-card-late-fees-8-2025-04-15/" rel="nofollow noopener" translate="no" target="_blank"><span class="invisible">https://www.</span><span class="ellipsis">reuters.com/business/finance/j</span><span class="invisible">udge-scraps-us-rule-capping-credit-card-late-fees-8-2025-04-15/</span></a></p>
Kevin Karhan :verified:<p><span class="h-card" translate="no"><a href="https://infosec.exchange/@katrinakatrinka" class="u-url mention" rel="nofollow noopener" target="_blank">@<span>katrinakatrinka</span></a></span> <span class="h-card" translate="no"><a href="https://universeodon.com/@digyoursoul" class="u-url mention" rel="nofollow noopener" target="_blank">@<span>digyoursoul</span></a></span> I disagree to an extent.</p><p><a href="https://infosec.space/tags/Monero" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Monero</span></a> is way more convenient and way cheaper than <a href="https://infosec.space/tags/CreditCard" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>CreditCard</span></a>|s and <a href="https://infosec.space/tags/PayPal" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>PayPal</span></a>! </p><ul><li>But the rest are all <a href="https://infosec.space/tags/Shitcoins" class="mention hashtag" rel="nofollow noopener" target="_blank">#<span>Shitcoins</span></a>!</li></ul>
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