The Real Deal: Credit Card Cloning скачать в хорошем качестве

The Real Deal: Credit Card Cloning

COLONIE "Chances are your credit card number is up for sale in the dark depths of the internet. We've seen record-breaking breaches over the last year and banks don't always replace all of the cards involved. Thieves are using the numbers hacked to clone your credit card and run up a bill. Scammers that hack credit card numbers normally put them up for sale online. All a buyer needs is about $50 in equipment and they can make cloned cards that look just the ones in our wallets. "It's very easy, it's very inexpensive and in most cases, they're not tracking down every single person that clones," says Reg Harnish, the owner of GreyCastle Security in Troy. In the town of Colonie, the number of people using cloned cards has skyrocketed over the past several months, "we definitely have dozens and dozens of these cases, we have several investigators that are working on it," says Lt. Bob Winn of the department. Believe it or not, most of the unknowing victims had their cards breached months, if not years ago, "the system is flawed in a number of ways but one of them is your bank isn't going to cancel your card proactively (after a breach), it doesn't happen until you experience fraud," says Harnish. Normally, a cloned card only works once or twice before its discovered so the thieves try and make big purchases, "in a lot of cases, they're actually washing their money, or laundering it by taking these counterfeit, cloned cards and buying large quantities of gift cards," Lt. Winn says. They also seem to be more aware of bank security features they might slow them down, "they're able to identify by zipcode or the personal information where the card would most likely be used and they'll actually travel to that area so as to not raise a red flag and then try to milk the card for as much of the credit that it has on it," adds Lt. Winn. Although credit card companies normally cover the fraudulent charges, we're all still paying for it, "if you were the credit card company, would you just eat the expense? No, you wouldn't, you build it into your APR, your annual fees, you build it into something else," Harnish says.