Credit Card

[Polarbear]

I've just had a weird thing happen.

I have a credit card (from Lloyds but I doubt that really matters) that I have never ever used for anything. I got it purely as an emergency card for travelling incase something happened and I needed funds.

Today I got a one time passcode from Lloyds to confirm a Pizza hut purchase for £47 odd which wasn't me. Obviously I didn't confirm and phoned Lloyds, card cancelled. Transaction refused, no problem.

What's got me though is where could they have got details from? I have never ever used this card so I don't see how it can be cloned.

My computer has McAfee anti virus and fire wall.

I asked the bint from Lloyds when I was talking to them but she couldn't get her head round the fact I have got a credit card and never used it. She kept going on about it being cloned.

The only other thing I use is Evernote for some details so it is on my phone as well as computer but the long card number or 3 digit one on the back isn't stored there.

I'm stumped and a little worried as if they had gone on a spending spree that card had a £5000 limit on it and while I'm not on the bones of my arse, I can't afford that sort of hit or the worry of arguing with a bank about fraud etc.

Has anyone got any ideas on how they could get my number and I presume the 3 digit cvv code if they used it online.
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Triumph Trophy Launch Edition

[Nobby the Bastard]

Typing in of someone else's number wrong....
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trevor saxe-coburg-gotha:"Remember this simple rule - scooters are for men who like to feel the breeze on their huge, flapping cunt lips."
Sprint ST 1050

[P.]

[Polarbear]

[Shaft]

[dynax]

The Darknet, you can buy just anything you want
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Mike.
Bikes: Xena, Bridget,Florence
https://www.youtube.com/channel/UCmihUc0xXxYbR4_0l-F1FzA/videos?view_as=subscriber

[doggone]

[Polarbear]

[Pete.]

[Ste]

OTP is a one time password which is what the text message you received was for.

Online banking login details are of no use to someone wanting to clone your card.

Evernote have had a few security breaches over the years but I assume you don't use it to store your credit card number.

[Polarbear]

[Ste]

They never put the whole number.

[Tankie]

This has happened twice to me from Lloyds, they will always claim it's your security failure.
The last time it happened I told them no way was it my fault, look at your own security , do not take any shitie from them!
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Always learning, everyday is a school day

[Sister Sledge]

Probably of no use this but was the Pizza Hut order near to you or do you not know?
I can't help with anything - just might help get answers.
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CCM 404 DS

[iooi]

If they get a known good clone card number, it has been known that groups will then try random numbers within the Mod 10 range. So can hit a gen number.

One of the bonus of getting a OTP now.

Although some people just ignore them if they get them and it is not them
Then get all arsey when asked why did you not do anything..
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Just because my bike was A DIVVY, does not mean i am......

[Polarbear]

[Easy-X]

Three possibilities I can think of:

1) Random transaction error. Banking systems are old and creaky and make many, many mistakes.

2) Lucky Guess. Hackers spinning random numbers and got lucky.

3) Cloned. But by someone at Lloyds or one of their subcontractors. This also happens. But as per option 1 they'd never ever admit to that. The lie must be maintained.
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Husqvarna Vitpilen 401, Yamaha XSR700, Honda Rebel, Yamaha DT175, Suzuki SV650 (loan) Fazer 600, Keeway Superlight 125, 50cc turd scooter

[ThunderGuts]

I had a transaction to the tune of £2k appear on my credit card a few years ago (a nightclub in London apparently); turned out with many banks if you do things in a certain order it's remarkable what you can change. In my case, they had acquired my card "face info" from somewhere (I'm guessing a hacked website or something although I only ever buy from reputable places, but it does happen), they then rang up and changed the address on the account, then rang up and ordered a new card, then rang up and asked for a PIN reminder, with the latter two both going to the new address! So they got a new card and the PIN.

The bank were perfectly OK about it and following a few checks they wrote off the transaction and issued me a new PIN etc. and on my request added additional security questions to my account, but I still find it farcical that such critical changes could be made on minimal information in the first place!
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TG.

[Shaft]

So are we saying it's definitely not possible to capture a PIN?
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Things get better with age; I'm close to being magnificent........
20 RE Interceptor, 83 Z1100A3, 83 GS650 Katana
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[Polarbear]

In the old days the PIN was on the card. I remember someone who had very dubious contacts telling me a betamax video recorder could be used to read the PIN off the old cards. True or not? Who knows.

Now I gather it is not on the card but on a database(someone correct me if that statement is bollox) which would mean you have to hack that and then match up the PIN with the card etc. I have no idea how viable that is but if someone can hack the CIA or NASA or organisations like that I'm sure they can do pretty much everything. It's whether it's worth their while.

It's like this idea of catching your details off a card in your wallet. Buy RDF cards to protect yourself. Do they work? I don't have clue but I'm going to get one now.

TLDR: No idea.
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Triumph Trophy Launch Edition

[Ste]

The pin is on the card.

When using a card reader for online banking, you have to enter your pin correctly into the card reader.

[Shaft]

[Polarbear]

[Easy-X]

[Polarbear]