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How do I prevent hackers from stealing my debit card information?

My wife and I keep getting our debit cards stolen online. We notice the charges and are able to dispute them and cancel our cards, but it sure is annoying.

We don’t put our card information on suspicious websites. They’re on well known websites like amazon and Facebook.

We ran out emails through a data breach checker and it found nothing.

I don’t think there’s any malware on our devices.

Any idea what could be happening and how to prevent it?

jesterraiin ,
@jesterraiin@lemmy.world avatar

Interesting.

Does it concern the cards from the same bank? I’ve read about some banks actually abusing their own clients and meddling with their money…

Snowman44 OP ,

Yeah they’re all from the same bank.

jesterraiin ,
@jesterraiin@lemmy.world avatar

Could you try and set up a test account in different bank and check whether the problems spread onto the new card too?

Snowman44 OP ,

I have a credit card too, but I don’t use it as much. It’s from a credit union, not my bank. I don’t remember it ever getting stolen.

jesterraiin ,
@jesterraiin@lemmy.world avatar

I think we may be on the correct track, sir. I’d encourage you to try out different bank, if it’s not much of a hassle.

There’s an additional possible test - you may want to ask people that you and your wife know about, who have cards in the same bank, whether they’ve ever found some puzzling stuff about their financial history there.

Snowman44 OP ,

Yeah I could try that.

jesterraiin ,
@jesterraiin@lemmy.world avatar

Goodluck.

And if it’s going to solve your problem, please share your experience with other people.

_wintermute ,

Not likely but could be that the bank is compromised. Not that it makes much difference, but is it a major bank? Do you have cards from other banks that don’t get stolen regularly? Do you use a specific local atm regularly? Always tug on the card scanners at ATMs and gas pumps to ensure a skimmer isn’t being used. If there is a skimmer you will likely be able to pull it off or it will wiggle in a strange way, letting you know it’s not “stock”

anlumo ,

I’ve read about some banks actually abusing their own clients and meddling with their money…

Might also be an employee there making a few bucks on the side…

jesterraiin ,
@jesterraiin@lemmy.world avatar

Might be, but then it’s criminal case, pretty much…

CriticalMiss ,

Something tells me you’re keylogged if you keep cancelling, ordering new ones and getting pwned within days of the new card arriving. Format your computers. Use more open source tools whose code you can audit. Firefox instead of Chrome, no sketchy extensions like Honey and cash back stuff. If you pirate stuff, try to do it from verified sources.

db2 ,

whose code you can audit

More like whose code is audited by someone or someones you choose to trust. Let’s be honest here, average Joe isn’t auditing shit.

gendulf ,

You mean you don’t read the billions of lines of code contained in all of the open source apps that you use? Shame, shame… :)

Snowman44 OP ,

It happens within months, not days. I don’t use honey and I don’t pirate. I use both chrome and Firefox, but maybe I should stick to Firefox.

_wintermute ,

Don’t save your cards in browsers anywhere.

generalEdo ,

I cannot agree with this more. It maybe a PITA to have to enter each time but the peace of mind is worth it. Also, if you use a password Manger, which you you should be, do not keep the cars stored in there either.

Puzzle_Sluts_4Ever ,

Or just use a credit card.

If my capital one card is stolen? Odds are, capital one will cancel and re-issue the card before I even notice. Otherwise, I notice it when I skim my transactions while paying my bill. And with a credit card? Absolute worse case scenario, I have a lower limit for a few days while they resolve the fraud. More often they just instantly pretend it never happened and deal with it themselves.

Contrast that with debit cards where you potentially have the equivalent of a hold on your bank account.

I have zero concerns over having my credit card stored in firefox because it really barely affects me if it is stolen. Which is the way to go.

Hogger85b ,

Is there a particular (probably online) shop or service you go back to?

Two times it happened to me one was a local gas station running a skimmer the other was an online hotel comparison site that turned out to be dodgy.

First was in local paper and caught a few of us out...the second my bank actually contacted me about saying it was dodgy

randomguy2323 ,

Most likely a device that you own is infected. Have you completely delete and reset all your devices?

Snowman44 OP ,

Running a virus scan wouldn’t be enough? I’d rather not factory reset everything.

Zron ,

A virus scan can only scan for something it knows. If you have something new or esoteric on your device, the scanner may not pick it up.

If you’re not using a reputable antivirus, also consider that the database is wildly out of date at best, or the “antivirus” is malicious on its own.

Runel0rd ,
@Runel0rd@kbin.social avatar

Are you trying to fix the issue or have this repeat? Start listening to the genuine advice being offered

EdibleFriend ,
@EdibleFriend@lemmy.world avatar

how do I fix this?

probably like this.

No :(

RagingNerdoholic ,

To be fair, factory resets are a huge pain in the ass. Might as well try other things before busting out the nuclear option.

nous ,

Once you suspect a device is infected the only good option is the nuclear option. Anything else will not be guaranteed to 100% remove it, or really, anywhere near close to that, or even detect everything wrong in the first place or after attempted removal. And with a month long period between attacks that is a long time to wait and see to see if any other option might work.

comic_zalgo_sans , (edited )

deleted_by_author

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  • RagingNerdoholic ,

    Absolutely. Use an efficient disk imager that can take incremental snapshots and you can keep backups for months or years without needing a ton of storage.

    RagingNerdoholic ,

    True, but I would confirm a device is compromised before nuking the OS, not just do it willy-nilly because maybe it could be. A better way to phrase what OP is asking is: what are some ways to troubleshoot this without making a ton of potentially unnecessary work for myself?

    …to which I would say, run a netstat on any systems that you can, check those IP’s against WHOIS and/or traceroute. Anything that traces to Eastern Europe, Russia, China, most of SEA is a red flag. Dig a little deeper with Wireshark or Glasswire to inspect some actual packets for suspicious content. I think there’s a network logger that can trace the process using a given connection, but the name eludes me).

    Find your smoking gun, then torch the OS.

    EdibleFriend ,
    @EdibleFriend@lemmy.world avatar

    Honestly you do have a point.

    phx ,

    Less of a pain in the ass than using a compromised device and having your payment card info stolen repeatedly?

    RagingNerdoholic ,

    If it ends up not being the culprit, kinda yeah. I’m just saying, try some less disruptive troubleshooting first.

    randomguy2323 ,

    Its not enough , why do you think you card is being used again and again? You don’t have backups of your data? A reset should be done every now and then to keep everything tidy.

    Saikopat ,
    @Saikopat@sh.itjust.works avatar

    No, it won’t. If you value that situation enough to post here, you should also listen to the advices you’re given.

    If you have an anti virus running and you’re still being pwnd, a scan won’t change anything. Format everything, computers, phones, everything with an Internet connection really. Yes, it’s a pain, but also yes, it’s necessary.

    Do it

    graphite ,

    Running a virus scan wouldn’t be enough

    No, those can be bypassed. If your kernel is what’s infected, then it’s not going to find anything.

    Scanners are useful, but what they can look for is limited.

    JakenVeina ,

    It’s not like virus scanning is useless, but it varies depending on which scanning seevice you’re using, and none of them are foolproof. The fact that you’re still getting compromised suggests that your scanner(s) might be missing something.

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