A very important point. A decade ago the majority of people had a PIN on their SIM. From my observations, this is almost a thing of the past. It is a significant vulnerability.
A very important point. A decade ago the majority of people had a PIN on their SIM. From my observations, this is almost a thing of the past. It is a significant vulnerability.I'd recommend also ensuring you have your SIM lock PIN enabled, otherwise your SIM can be put into another phone to access the text.
What if you order a virtual card? That was one of the options. Does anything need to be sent out in that case? Or can the thief just use the virtual card number, expiry date and CVC to add it to Google Pay and then use it to purchase stuff?Sent out to the address of the owner of the card. You'd need to change this first (which I presume has some check on it) unless you fancy sleeping in his/her garden waiting for the posty.
Using a card in US is quite disconcerting given the variety of ways in which you are required to use your card (insert in machine, swipe at side of machine, tap etc), the number of ways you validate (enter PIN, sign check, sign mini screen etc), that carry on in restaurants where they walk off with your card and return 5 mins later, the open tab (to allow you to write in a tip on the check after the card has been processed) and the huge number of places that won't accept ApplePay/GooglePay. On my last few trips I've limited myself to my N26 card on the basis that I get instant notification of all transactions to my phone and watch. I'd be reluctant to carry any card that didn't offer instant notification (reliably, looking at you AIB) in the US.I had the experience in a bar in the US where they wouldn’t take Apple Pay and insisted on a physical card.
In general the US is about a decade behind Europe for payments.
Yes there are so many levels of security that have gaps either because things like SMS codes would show on the lock screen or we have turned off security on the sim card etc. The blame the victim business is strange alright.IMHO, it's very difficult for the average person to ensure that their phone and all their banking/financial apps have the most appropriate security settings to prevent fraud. I don't think it's fair, as some previous posters have done, to blame the victim for having done "something stupid". The fraudsters are incredibly clever and resourceful and it's difficult for an average person to keep up.
Using a card in US is quite disconcerting given the variety of ways in which you are required to use your card (insert in machine, swipe at side of machine, tap etc), the number of ways you validate (enter PIN, sign check, sign mini screen etc), that carry on in restaurants where they walk off with your card and return 5 mins later, the open tab (to allow you to write in a tip on the check after the card has been processed) and the huge number of places that won't accept ApplePay/GooglePay. On my last few trips I've limited myself to my N26 card on the basis that I get instant notification of all transactions to my phone and watch. I'd be reluctant to carry any card that didn't offer instant notification (reliably, looking at you AIB) in the US.
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