More customers say 'tap-to-pay' charged their credit card through bags, pockets
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- čas přidán 18. 04. 2023
- Several viewers told 7 On Your Side tap-enabled systems captured their credit card information at a variety of places -- a restaurant, a store, even a doctor's office. So is this going to happen more? abc7ne.ws/3Lgpkzu
#news #money #creditcard #technology #taptopay #abc7news
I bought an RFID blocking card wallet years ago when there were incidents of thieves using personal scanners in crowds at vents to steal personal info. The wallets are cheap, do not damage cards and prevent such theft.
They don't work. Shielding only works when the cards aren't being used.
Such wallets are illegal. WORLDWIDE.
@@ShizuneHakamichi That is stupid. Those wallets protect you. They should not be illegal
@@ShizuneHakamichi ⁉️
OH NO they’re most CERTAINLY NOT illegal. People have an in-born right to self protection and protection of their personal property, and any attempt of ‘abusers of power’ to make an abusive law against this self protection is futile, and also, those abusers are the ones committing morally illegal crimes against people. Here in my country of the USA, these abusers are attempting a great infiltration-they even assume they are at the ripening of their decades-old agenda, but believe me, they will be the surprised ones in the imminent end. Their own power will be severed by their own hand and powers that Be that they underestimate. No matter their wealth of influence, they themselves will choke their own assets into starvation and will have no access to those assets, not one drop. Not bank accts, investments, bunkers, food, water, transportation, fuel…….nothing, especially power or entitlement or position of leadership. Gone. This loss will all be self-imposed and come quickly-they won’t even had opportunity to thieve or steal from another. They have a leak* in your agenda, and they refuse to acknowledge it, that will be their downfall, and it will not come at the hand of their victims. They won’t acknowledge the reality of their weakest-link, so it remains their weakest link. They don’t even suspect it. They even laugh at others calling it their weakest link as though it doesn’t exist and never will. The most painful thing about hindsight is that it’s late. An RFID PROTECTION DEVICE DOESN’T EVEN NEED TO BE PURCHASED. We can make them ourselves. Ultimately, we won’t even be using chips for trade anyway, we will be using something completely different, something historically simple, but novel for a spoiled world. I’m sure you can guess what it is. Since big banking and communism are in cahoots, they are no longer trustworthy, and their predictions for their own so-called “success” over the masses are delusional at best. Victims have a refuge that these abusers of power can’t even imagine. Whoever attempts to tell you things like that these are illegal, and uses you to spread this propaganda, either learn a thing or two fast concerning your own self-reliance, or know you are made a willing victim yourself. But know this, that a perpetrator is powerless without an Enabler. So, are you Enabling abusers of power by supporting them and being loyal to them? The ball of self-defense and self-preservation is on Your Side of the Court.
@@ShizuneHakamichi liar you are lying they are not illegal
I can’t get the darn thing to read my card or phone when they’re literally touching, but these folks had their cards read from FEET away?!
Exactly. I smell BS.
I said the same thing. Even if it's touching, if you don't place it in the EXACT spot the reader wants it in, you get an error. I smell old people not trusting tech they don't understand. You'd think the news station would have a tech expect that would tell them that it's impossible.
😂😂😂😂
Yeah, this is utter nonsense. NFC only works at 4 cm OR LESS. These cards are not getting read from feet away.
Same here
My wife was at a bakery and had cash to pay , when the cashier told my wife the bill had been paid by a charge card that was in her purse . People think , oh that can’t or won’t happen to me , till it does happen
This happened to me on Vacation ! Went to pay cash and she said it was just charged on your AMEX; which was in my wallet INSIDE my purse.
Stop laying your purse on the counter...
This is insane. What if it puts your account in the negative!?! When I have cash my debit is usually empty.
Oh HELL no !!! That's not good at all
they will rob to tap your all credit cards🤣
My concern is not with the occasional range glitch. But with a scammer carrying a reader in a crowded area like a subway, concert, sport event, etc and getting close enough to charge cards in peoples wallets or pockets. It could be weeks if ever that people notice the changes and then, especially if its not large, think they may have legitimately charged something they forget that day.
1. Keep your cards locked except for when you're making a purchase. Use the bank's app to instantly lock and unlock your card.
2. Keep your cards in an RFID blocking container/envelope.
3. Get notifications when your card is used or declined. Get notifications about your balance. Quick notification means you can quickly call the bank and stop it.
I get a text within 10 seconds of using it. Can lock my card immediately. Also I have the metallic wallet they were talking about
I set notifications to EVERYTIME one of my cards are used. I'm not purchasing constantly, so not a bother.
Just a little ding
The solution of this is 2-steps. 1) If you haven't already, then transition ALL your CC purchases to one of the ONLINE tap-to-pay merchants (Apple Pay/Google Pay/Samsung Pay). These payment methods never transmit your REAL CC number over the payment network. They generate a unique, 1-time-only temporary CC number for EVERY transaction. Even if the number is stolen, it's useless b/c the CC number has already been expended. And 2) Most importantly, all these smartphone wallets REQUIRE USER APPROVAL via biometrics or the phone's passcode to approve transactions (the exception being special deals Apple/Google/Samsung have setup with specific major metro public transit authorities to not require manual approval if the rider desires). So in your scenario, someone with a NFC backpack can't trigger an fake ApplePay transaction b/c it would require FaceID approval from the phone in pocket. Once you've transitioned 99% of your CC purchases to smartphone tap-to-pay, then you REALLY ONLY NEED to carry 1 physical CC/ATM card for an emergency backup. You might actually own 8 CC's, but you don't actually NEED to carry all 8 cards as a backup. So carry only 1 or 2 cards which you might only pull out ONCE a year, you can easily wrap them in foil for free... or as others have said you can buy an specialized RFID blocking wallet... but beware MOST of those cheap wallets don't actually work, whereas you simply taping 2 sheets of 1"x2" aluminum foil to your card WILL work.
I was under the impression that those scanners only read the info on the cards to be used later, not that instant.
I don't know why, but I never trusted the tap to pay feature.
It’s better than swiping and getting skimmed!
Too convenient, no confirmation lock. I will only ever trust it if it requires a pin at time of purchase.
Me either!
Me either
It's a step backwards for security.
We have to keep cash as an option no matter what new futuristic payment techniques they create
I agree 100%. My mother always told to keep cash in your wallet just in case your debit/credit card doesn't work. She was right as always. You don't want to be at a dinner party and for what ever reason your card doesn't work. And have your friends wonder if you're broke. Am I right? This will even happen if you have plenty of money in your account. Example: If your bank deems an earlier transaction as questionable/fraud, the bank will lockdown your card for your protection. Then what do you do? So yeah. Gotta carry cash as well.
Cash is going to be gone very soon. Governments want a digital currency that they control fully, it already exists it's called a CBDC, central bank digital currency, and it will work similar to a crypto currency. Except unlike crypto currency which is controlled by the people, CBDCs are controlled by the government. There is a war going on right now against people controlled crypto because the government doesn't want competition against the CBDC.
Thats a very bad advice. If your bank info is compromised you can report it and banks can trace down the criminal. But if your cash is gone its gone forever
@@nyankanakitty The chances of a bank/police of catching & convicting a criminal for RFID fraud is at least 3%. 15% if the fraudster was an amateur. Good luck.
In a few months we won't be able to use cash anymore. Because they're going all digital
Sounds like someone needs to be sued to get the message.
Yep. The lawsuit needs to be a massive one, and it needs to cause serious "injury" to the responsible parties.
@@jntj3007 Let's stop wioth this idiotic nonsense. IT is a bug in technology, not a malicous attempt to steal money,. Lawsuit happy people like you are a stain on society.
LOL you would be laughed out of court if you tried. There is nothing here you can sue for.
@@chriskay1449 Of course there is. Fraudulent charging without consent/signature
Okay, Karen. Suing is not always the answer. Stupid people get charged. How about turning off your NFC until you're ready to charge, dah.
Welcome to the new electronic pick pocket world.
Why are they complaining, it charged them with the card in their purse - it's convenient! I wish this happened to me, a true touch-less experience!
@@JamesSmith-mo4ytcertain credit cards you don't want to use, maybe you have a costco one you want to use in order to receive benefits or get cash back, what if you didn't want to use your debit card and it scanned that instead? what if you're in the checkout and it takes your credit card and uses it to pay for someone else checking out? the fact that you don't see these things is both ignorant and naive
@JamesSmith-mo4yt yup, convenient....as your walking past a store and bink, you credit card just paid for something. Pick picket future
I no longer purchase at Starbucks, but years ago they were and apparently still are double charging people. It happened to me so much I finally asked the credit card people if they noticed this pattern before. They said yes it happens all the time and we get calls all the time. Starbucks has made untold millions doing this to customers and that was before rf was in the cards.
That happened to me so often,.double charging....now i buy gift cards and only use them,or cash........
Same here! Exactly why I stopped going to Starbucks, that and they have mold in their coffee!
What lazy shady con thought up the insert or tap only
All you have to do is push or tap the card and voila it's a purchase. F the pin numbers let's make it easy as possible for thieves
I can't even stand their coffiee. I never buy there or at any of these "specialty coffee" shops. I' waiting to see if my card shows a purchase at one of these stores. That should never happen.
@@myobmyob2215 I rarely pack my debit card, but today did a Tim Hortons and no pin required. I suddenly realized ALL my funds could easilly be "tapped" this way by some hand carrying machine !!!!
3:17 - I would never recommend leaving your wallet in your car while you're in the store. Car theft is skyrocketing these days, especially if you live in the Bay area
Thank you.
My friend left a purse hidden in the car at the beach parking while swimming, thought no one would find it, well they took the car not knowing so she lost anyhow.
There are thieves that wait at beach parking lots and gym parking lots for you to leave your car. If they don’t see you carrying your valuables they know that they’re still in the car. My friend had his wallet stolen from inside of his car while he was at the gym in Bayfair Mall.
Something isn't adding up here. RFID doesn't have the ability to read from far distances.
Over that, why was this ONLY seniors?
If they're anything like my parents, when they see a charge on their credit card they don't recognize because the merchant name is unrecognizable, they immediately assume fraud and call their credit card company to make a claim. My Mom does this all the time and I guarantee the charges are legitimate. It's only because the doesn't recognize the merchant name on the charge that she immediately thinks, "fraud." It's dumb. There's technically no way for this to be happening with tap-to-pay systems.
Yeah I was thinking that too. Even at the end the lady says "from now I'm going to keep my purse down" so her purse was up, perhaps right next to the reader, and her cards in her purse near the edge? And the fact it happened twice to her makes me think user error more so than security flaw. Because you would think considering the number of tap to read credit cards that exist that this would be MUCH more widespread, like practically everyone going through that same grocery check lane as the guy, or the doctor's office as the woman, etc.
They tapped it by holding the wallet by the kiosk, literally
I’m not a senior, it happened to me while on vacation. We think that someone may have been in the room with an RFID scanner because the card was never pulled out on that trip. A few hours after we made it home, transactions started showing up in the city we had visited.
It happens. I pulled out a card and it read my card from several inches away.
Most systems need your card to be extremely close before it even knows it’s there and starts to read it so this is a really odd phenomenon
This has happened to me twice. I now have the rfid wallet
What about maliciously scanning from a far? Scary
It doesn't happen. I doubt anyone from the news station even tried to verify it.
@@amitsunoko7270 the number fetched can not be reused. so its less useful for theft after the fact. There is a tight latency between the scan and the use.
You'd be surprised at how far away scanners can capture information. The hotel I work at just got brand new RFID door locks, and there have been several times when my master override key has accidentally triggered door locks just by walking past in the hall. It doesn't happen very often, but the fact that it happens at all is concerning.
I am a cashier. First I ring up your items. Then enter the amount of the purchase in the credit card terminal. Then the customer presents the card. IF the machine displays a " multiple cards detected". I tell them to hold the wallet behind your back and use your card. This would be a nightmare if the customers were wrongly charged. I would have to give them the money back.
Exactly why you ask for receipts for purchases AND you check against your monthly statement as tedious as that is. I've caught a number of "charge mistakes" over the years that prove folks are trying to rip me off. New card, new numbers, solves the issue. + a RFID blocking card wallet as mentioned below !
Why spending so much time checking every receipt monthly? Just enjoy life.. you cant spend your money when you leave.
Yep. It's called being responsible about your money. You have to take care of anything you want to keep.
I've set my bank accounts to text me after each purchase. It does it within a minute and shows the amount. They all do it. It eliminates the busy work and instills peace of mind. So far, nothing has happened.
Btw, if you misplace the card, you can block it in your dashboard or unblock it if it's recovered. During that time, only online accounts assigned that card can debit an automatic payment. I just keep that one permanently blocked.
I wish my bank account will do this
I'm in Canada but the bank that I have doesn't notification@@WokerThanThou
@@babskaz74 Agreed; but, I had to do cash only for several years whether I liked it or not and decided my life was too short to deal with the hassle.
However, I'll reconsider it when I become a Person of Interest or an Enemy of the State by the NGOs and government corporations.
Just in case; and, maybe it's considered nitpicking; but the vague, unofficial "social credit scores" doesn't exist in the US (yet) and, isn't the same as a "financial credit score". I'm not sure if your reply was for another post.
Also, my original comment didn't make it clear I was talking about debit cards, aka bank cards, and is different from, credit cards - which I haven't had a chance to try.
Fwiw, my financial credit rating is above 800. It means I can rent a car or a place pretty much anywhere whenever I want - including a reasonable emergency loan; which fortunately hasn't happened yet.
None of that would have been possible with cash only from the start - unless one has access to really big buckets of cash in the backrooms.
This is going to be a big problem. They need to straighten out this mess they stealing stealing stealing stealing.
Thats why I prefer using cash …instead leaving data trails everywhere. This is really bad news , thieves can steal as easily.
I guess nothing beats good ol' hard cold cash.
Having a cash is crime
Some places do not take cash...
They can put card skimmers on the ATM too
@@robertyoung2819 Some place also don't take cards.
Very interesting I just heard of this yesterday and today it happened to me twice. I visited a convenience store this morning at 9:30am.... and noticed just now that my debit card was charged twice for the same amount. The first transaction I hadn't even put the card in the machine and I was charged (which i didnt realize) then I inserted the card, I was charged again. At 3pm today, I was at a hair store all items were rung up... I started to unzip my purse and when I looked at the machine it said APPROVED. I said to the worker how is this approved when you see that I haven't even taking my debit card out of my wallet yet 😮. The worker was in complete shock as well as I. The bank told me they are unable to remove that contactless feature and could not send me a new debit card without it. This is very scary!
@Ronda B,
That's BS! Insist on speaking to the highest person on the totum pole and get that charge returned__you will receive a notice in the mail from the bank saying they're checking into it and will let you know the outcome. Don't let these people get away with anything. And from now on, do what I'm going to__wrap your cards in aluminum foil. 🙏😺
put it in the microwave for 15 seconds and it will render the RFID useless.
get rid of the demonic card. use cash.
I call BS. There are protections at the terminal and with almost every bank that blocks identical purchases made back to back. And you just heard of it and then it happened to you twice?! Yeah right!
@@pattiannepascual Or LEARN how to use them safely.
I worked in retail and saw numerous transactions already paid for while the customer is putting in the card they intended to pay with. I only saw it when people put down their wallet next to the reader, but, apparently it’s way worse. Go technology!
😮 illegal! Do we need to do a class action lawsuits to get this theft to stop!
This could absolutely ruin someone.
A suit against whom?
This shows how bad society has become. Sue for everything.
@@chriskay1449 oh right; large corporations including the banking industry should be untouchable and allowed to continue to NOT be held responsible for their oversights.
If they choose to put these technologies in place then it is their responsibility to make sure they are secure.
@@Sundayjean By your dumb logic, we should be able to lock you up for life when you make a mistake.
They are being held accountable for their oversights. The bugs get reported and they get fixed. That is what those software updates are for and why they do them. Your ignorance is showing.
@@Sundayjean Exactly but hey this shows how bad society has become! Not wanting to hold them accountable..🙄🙄🙄
RFID used to only work from less than 1 inch way but not now. My phone scanned from 2 feet away the other day. Wasn't the card I intended to use. I have now stopped using google pay and went back to physical cards.
This happened to me!! The wrong card was selected in my Apple Pay but before I could switch it the terminal charged my card. Missed out on my sweet 5% cash back grocery rewards 😢 lol
Using Google/Apple/Samsung Pay, etc is just weird to me.
Cash and cards, for me. Well, I'd not mind using silver and gold, but stores don't accept that as a payment. lol
For me to have to buy a special wallet or purse to prevent this from happening is like a law being passed that says I have to wear a bulletproof vest just in case someone decides to start shooting so they won’t kill me. The victims, including the stores who have these machines should file suits against the companies that make the machines. The credit card companies should give an option to people to get cards you have to swipe instead of the one ones that can be read from your purse or you back pocket. Credit card and credit card data theft was bad enough before. Technology is not our friend in this case.
We need to stop with the ridiculous lawsuits.
As it is, ALL cards in the US either have chips or swipe. Swiping has it's own major problems as the magnetic strips are hacked, so that is why they have gone to chips. There is no such thing as tap only cards.
A couple of years ago I needed a new wallet. In Walmart every one was labelled as RFID blocking. It looks as if it is standard now, not some special expensive wallet. I wish I had tested it to see how well it worked. At my job we got new employee badges that we tapped at the entrance and again at the time clock. Some people were touching their wallets to the readers with the card inside. Old wallets? I don't work there anymore, but would try to tap with only one card in the wallet, if I ever used tap-to-pay, which I never have.
I bought a protector for under 4 dollars worth it
Yes, I bought a protected wallet, too, but I have heard that some of them don’t protect you. How do you KNOW if you are being protected?
@@froglady7491 With one card only in the wallet, try to pay...
With that card in the wallet?
"It's just a thought."
This means those new IDs are tracked at every location 💯
Get yourself a RFID (radio-frequency identification) protection wallet
Sounds like a great idea to me. 👍👍
You’re never anonymously walking through big stores (walmart comes to mind) , face first technology, facial recognition, shared data mining, all personal records, they keep your card numbers on file , how many times in the store , how long in the store ….
How about get a NON-RFID card?!
Thank you. Just bought one after my sister in law sent me this youtube video.
I have a RFID blocking credit card sleeve. I tested it and it works.
Sounds like the systems were either tampered with, or someone did not set up the frequency proximity range properly and so it is grabbing anything it can find with an rfid.
IT's nto tampering. It's called a glitch. They do happen since people are human and they are the ones to set these things up.
I called my bank and said that I wanted to put a limit on how much I could pay via 'tap to pay.' My bank told me that they DO NOT make that decision. They told me that it is the store's decision how high the limit will be. WHAT?!? I immediately told them to disable 'tap to pay.' From now on, I'll just enter my PIN manually.
They told me that they have fraud protection in place. I'm sure they do, but how much hassle, and how long of a wait will I have to endure, in order to get a fraudulent payment reversed?
I live in Canada, so the rules might be different here. But I suspect they are the same rules as you have.
Keep your cards locked all the time except when making a purchase. You can lock and unlock instantly with the bank's app.
@@grayisgood Thanks for letting me know. I don't have the bank app installed.
My card is designed to work only when I tap the cashier on the forehead with it, it works good except sometimes I have to slap three times hard- Greetings !
Wrong! All "tap to pay" credit cards are built with essentially the same wireless tech. So while you have to tap closely if the reader you are using is properly setup, not all readers are properly setup. Worse yet, some criminals have their own readers that they use (from a distance) to steal credit card info.
Bottom line, is that you should keep all RFID ("tap to pay") enabled credit cards safely in either a RFID blocking sleeve and/or a RFID blocking wallet/purse. That way you are only exposed to your card being read when you have it out and intend to use it.
@@robertpearson7861 You are responding very seriously to what is a joke... read the comment again! "...when I tap the CASHIER on the FOREHEAD with it....sometimes I have to slap three times hard"
I can barely get my cards read. I feel lucky now
This can be disabled for the brave. Shine a bright flashlight through your card to see the rectangular antenna wire trace routed through the card. With a small drill bit, sever the wire; no more tap to pay. Chip and mag strip still function normally.
👍 I only use cash but good to know this info.
Yep, I have punched a hole in the opposite side of the chip (right side) on the card, cutting both antennawires,,,,works perfect - RFID disabled ;)
Wow, thanks
I was just wondering if this would be a viable option...
@@steffenjensen9350How big of a hole works, a paper hole punch too big? too small? Exactly on the R side of the chip? Thanks
This happened to me at Safeway. I had one card in my hand but the tap to pay charged the credit card in my wallet that was in my purse at the time. It was scary to say the least. Now I have to check my credit card balance every day to make sure I don’t get charged without my knowing it.
Good for you, we should all keep a close eye on our money.
dont you have autonotication when your credit card is charged?
I set notifications to EVERYTIME one of my cards are used. I'm not purchasing constantly, so not a bother.
Just enable your alerts for transactions.
@@kauigirl808 I finally did that, thank you. 😊 I get texts alerts and emails now.
Cash is KING💯
Unless you need to pay online, or book a hotel, or not weight 3 hours for a cab, or pay rent, or quickly transfer funds in an emergency, or not make an extra trip to pay your energy bill as a kiosk..
@@Anakinno501 And all that means nothing in a prolonged power outage
@@D-FIANT415 you can still take cards in a power outage we don’t live in the Stone Age anymore
What we won't seem to accept is more often than not we're outsmarting ourselves with the very technology that's supposed to make our lives easier! And we keep adding more of it to our lives!
Exactly and it makes everything. more complicated.
And that's the lie they sold and continue to sell everyone!!!
This is private entities making these decisions for their financial benefit. This is exactly why crypto was invented, to make sure that our money is protected by in-alterable code, instead of being subjected to the dumb decisions make by profit driven banks and businesses.
I keep saying, "Just because we can, doesn't mean we should!" And that's why I like being 'old school'! 😛
I only use cash. don't have any cards. if only people knew what's coming. how lazy can people get that they can't just plan and bring the amount of cash they need.
Good reporting, thank you to the entire team who put this story together.
I went to bank to make a deposit, inserted my debit card and ATM gave me $100 quick cash which I never requested…..this system is BS and must be dismantled!
That is crazy. I have had a RFID wallet for years so my cards cannot scanned by ppl with a scimmer in their pocket. Will be telling all my family about this report.
This is weird. You can buy special wallets that block these card readers. I bought my husband one from an online company, The Ridge. I might look into getting one too.
If you are not carrying your card with RFID protection, you are asking for trouble.
RFID protection only works if you want the card to be unreadable.
I use a new advanced technological development. It's called *cash.*
@@stefanfrankel8157 So true...
No, it protects the cards you're carrying but not using at the time. In other words, what's in your wallet. I didn't want to buy a new wallet or purse, so I bought the RFID blocking cards and sandwiched my credit and debit cards between them in my old-style card carrier. So far so good. Once you remove a card to pay, that's the only one that's accessible for the scan. Just be careful you don't get charged twice, but at least your other cards won't get 'used.'@@jan_phd
@@jan_phd
Yes, that's the point of it. You take the card out to pay with it.
The industry standard for readers is that cards should be read if they are within 4cm. There is a separate standard for the cards themselves. To solve this you will need to know exactly which reader and which card (or phone).
Remember when the government used to protect the consumer?
not much, lol
the protection stopped when Republicans got carried away with deregulation
@@javtimestwo Bidung can simply re-regulate but would lose his 10 percent cut.
@@user-bg2oi4bz3p Trump can worry about the multiple lawsuits he is facing and how he's losing them all.
LOCK HIM UP!
@@javtimestwoand Demented Dumb DEMs won't prosecute criminals!
It also reads it off the wallet from your phone. Happens to me all the time when I’m doing instacart. It brings up my personal cards although I’m swiping the actual instacart card.
To prevent reads of cards in your wallet, use one card size piece of plastic or stiff paper, glue a piece of aluminum foil to this plastic or paper and put this blocker card in with your other cards. The foil fouls the radio signal so your other cards cannot be remotely read while in your wallet.
A variation of the classic tin foil hat😂😂😂
…Or just keep it simple and buy an RFID wallet and avoid all that glueing and cutting stuff.
@@mannyrey meh this is handy if you want to keep your current wallet
@@mannyrey why pay for free things
I think wallet in future should have aluminium lining
Visa check cards and Visa credit cards look the SAME. At 00:54, when the man said he used his Visa check card and it charged his Visa credit card, most likely he used his Visa Credit Card thinking it was his Visa Check card because they LOOK the same. Or whatever card he was using.
It almost happened to me here in Sweden. I had my wallet in my coat pocket on a bus and accidentally got close to the ticket scanner, which also accepts direct debit/credit card payments in lieu of a ticket. Fortunately, it beeped a "not valid" warning but it freaked me a bit and I double-checked all of my cards for charges.
Have to separate accounts in your bank besides the savings. One for checkings and one for everyday spending. Keep the everyday spending debit card on you but only transfer enough money on it that you need to make transactions either when out and about or when making purchases online.
Your checkings account should only be linked to your bills if you do auto payment. Keep your checkings account debit card at home and stores away
Also remove the line of credit from your everyday spending debit card as well joust in case someone does try to scan your card and try to purchase anything that would make that account go below zero which will be denied by your bank and send you an alert to your phone and email alerting you that a transaction was denied. Report denied transaction every time to bank
And get a rfid wallet even with your everyday checking account debit card
Good advice.
Not good advice. People need to stop paying things with their debit cards. You don’t have strong protections when charges start popping up.
@@tommydong8070 Some of these were credit cards
@@tommydong8070 , No, in the debit card account , there should be only little money for daily expense, so the loss is restricted to the amount in the debit card account. Normally the credit limit on credit card is equal to one or two months salaries. That is a greater loss.
@@tommydong8070 you are actually the one with bad advice. Visa and Mastercard are responsible for credit AND debit purchases…
I like the RFID sleeve that opens on the longer side.
I've been using tap to pay for years and have never had this happen. How do you charge three cards for one transaction at the same time? 🤨
Happened to me. They charged two cards: they charged the card i used and a card in my wallet. Simultaneously.
The places where these transactions occcured probably didn't set the machines up correctly__the distance from machine to card needs to be adjusted accordingly! Just in case, though, I'm wrapping my card in aluminum foil! 😛
@@debracisneroshhp2827 You can't "adjust the distance" it reads cards. NFC only works up to 4 cm.
I don’t believe the lady one bit that says three cards were charged at once. And I don’t believe the person that replied to you that says two cards were charged at the same time. Terminals and banks have been required to have protection against double purchases for years now.
I got charged twice at a gas station for one transaction from just using a regular swipe card. If that can happen, ANYTHING can happen. Luckily my bank gave me back the money.
There is no way the payment terminal charges 3 cards at the same time
They are confused seniors.
But the technology keeps advancing.
😂😂 I knew I wasn't the only one thinking this
Not unless it has been programmed by someone to do so. Take a little bit here and there to not make it obvious.
Maybe the 1st 2 cards were tied to accounts that did not have enough funds in them to cover the full charge so the terminal drained them each and moved on to the 3rd card that had enough funds in it to cover the remaining charge? That probably was going to be the one single card the the customer intended to use anyway "to cover the full charge" instead of needlessly draining the other 2 accounts completely.
This happened to me at a Bahama Breeze restaurant. They have the little table side NFC kiosks to pay for your bill. I was ready to tap my phone to the NFC reader and the kiosk "read" my phone at approximately a foot away. I was shocked!!
@Joseph - considering that the table is not that big 1 foot is A LOT when multiple people have their cards out at the table when diving the bill. Also, the technology is LITERALLY called TAP to pay.
I use a metal wallet.I’ve used some sort of ref blocker for years because everything has a flaw, a back door , a weakness, a glitch it can be hacked or exposed and exploited.
This is one reason I pay cash!
Luggage stores sell protective covers for cards, three covers for 10$ and they also have them for passports (that also have chips in them.)
Mylar (foil/plastic) packaging from all kinds of snack products will block readers. Wrap some around your credit/debit cards for immediate protection.
Or just regular aluminum foil.
@@TimeSurfer206 I like the plastic covered foil as it doesn't scratch or rub off, and it usually comes free from some packaging you can recycle for use.
That's why I only pay with cash, no cards.
What you gonna do when they do away with cash?
@@wilmabetty2496 What are you going to do when your low social credit score shuts off your digital currency?
@@wilmabetty2496 lol I don't think I've regularly cashed since the very early 2000's. Most of my utilities and rent already have no cash option... The future is going to be wild for some folks....
Do you go inside the bank every time to get it? I’m genuinely curious, since most of us get cash from an ATM of some sort these days.
Old school wins again.
Modern technology are we really better off?
Cash is your best friend, use it or lose it. If we don't we will no longer have money out of reach of anyone including the government. Cash in hand eliminates online access in any way shape or form. No apps required.
Same happened to me at a 🌮 stand 🤨🤔 I was not even mad, he refunded the 17 dollar paymen and gave me the meal for free.
Very apriciative
Happened to my son's card a few weeks ago. We had to go to the bank, so I could put his money back into his account. The same thing happened, but my wallet was next to the card reader.
Walmart sells an rfid blocker. You can put aluminum in your purse to block the signals.
just buy a decent wallet
and don't throw cards in your bag
You see "tap to pay" at terminals. That's apparently a misnomer. One need not tap.
Yes, this is happening all over.
Eyes open America.
Be aware that keeping your phone in front of your wallet will prevent this. The phone serves as a Farraday cage.
Thank you!
So if I keep my phone in my purse, my credit cards in the purse can’t be activated?
@@goldendusty1951 I doubt that. It must be completely contiguous with the container of the cards. If you have a carrying case for your phone with credit card slots, that would probably work. But things tumble around in a purse, and it only works if your phone is between the reading device and your card. For a purse, I would suggest a case with a Faraday cage (just a conductive metal screen surrounding the case).
@@jamestimmons6838 Thank you!
Do not shop at any store that allows this. There's always alternatives, and if enough people do it, theyll get the message and either stop or go out of business.
But of course, you do not know that this will happen at a store...UNTIL it happens
@@sinfoniasam Don't be so hateful to people older than you. One day, if someone doesn't clean your hateful clock, you will be old, too.
I’m a business owner and you don’t get a choice on whether or not to have the feature. The card industry has decided it’s safer so your credit card providers update your machines, sometimes with no notice. This means you pretty much have to shop at cash only stores to avoid the machines. Good luck with that.
@@embr9723 Your options are to sue the card companies for bad business practices or youll just go out of business and have no money at all. Business cant keep shifting their problems onto consumers and expect that to last long.
@@laqueefasteinberg4981 This is a very uninformed and unrealistic opinion. If I stop accepting cards (the only way to not have these readers) I would put myself out of business. I am a small business....how in the world would I take on an entire industry legally? With what resources? I'm here trying to learn about the issue because I care, but you as a consumer are also responsible for doing what you can. Buy a shield sleeve for your cards! It's cheap and effective. No, you shouldn't have to do that, but it makes way more sense than counting on an already overstretched rando in the you tube comments (me) to take on a multi-year, likely ineffective lawsuit on your behalf. By the time that lawsuit was done, there will be new technologies with new problems. I don't want to downplay how crappy it is that we all have to be careful and try to stay informed- I am also a consumer who shops at many stores. I just don't share the opinion that this is 'shifting the problem onto consumers'. Note the reporting that the employees/businesses are also surprised that this can even happen. I plan to share this with my employees so that they can be aware that it can happen and we can figure out how to deal with it if it does happen. That feels like proactive customer service to me, without endangering the entire business because of something the could/might happen. Most business owners love their customers, want to do right by them, and are not the money grubbing 'not-my-problem' faceless corporate types you seem to be imagining. I mean, you as an individual could take on this lawsuit yourself if you truly believe it's the best way to go.....
What's the big problem? Large businesses, corporations need to make as much money as possible. We are all okay with the free money they get from the government when they do not pay taxes.
Problem is all these big corporations give millions $$ to ridiculous political agendas like Lbpqt , b l m , dnc.
Early on mass transit rail lines preached the beauty of smart card fare collection. One point was the rider could simply approach the fare gate with the smart card not even out, in their wallet or handbag, the gate would sense the smart card and automatically open.
This happened to me years ago at bed bath & beyond. My items got paid with my card still in my bag. It hasn't happened since then maybe because I bought & been using an rfid wallet.
THIS is why I slow walk adopting new technology. Especially when it comes to payment methods.
It's been over 20 years....
@@DaKrawnikright. And it’s still faulty.
Here in Australia we have had tap and go for years I’ve never heard of this issue here. Also in general purchases over $100 require your PIN number.
A piece of aluminum foil in your wallet should stop anything like this from happening.
The foil will rip on the first time you extract from your wallet.
@@jayjaynella4539 And yet, mine didn't Howcumizit?
Mine didn't rip right away. I wrapped foil on the tap and go side and used the chip side
I've been using an RFID wallet for the past 7 years since chipped credit cards started to become the standard. I still don't understand why in the United States we don't have the option of setting a chip pin to prevent fraudulent activity. This is why I mostly use Apple Pay or Google Pay.
And with Google pay, make sure your phone is locked. This why only you can activate Google Pay. And have your phone protected with password, pin, etc... This why no one can get that info or use your phone.
But it's an Apple pay and Google pay also RFID?
Keep your card locked while it’s not in use. Just make sure you keep the App for that card on your cell so you can lock and unlock when needed. Also don’t have regular automatic payments deducted from your card bc if it’s locked the payment will be denied. Use your bank routing/account number to set up automatic deductions. Hope that helps someone.
you've obviously helped no one, Intelligent folks already know this...stop stalking.
Thanks. I am definitely about to lock everything right now.
No on the second part. Using your bank information is definitely more risky than a credit card.
@@anandr1385 I disagree. You should have multiple bank accounts specifically for this reason. PI have one checking account and it only has enough money for my MONTHLY bills/automatic deductions. Some of these will only accept a cash/debt monthly payment (like my mortgage company) or you have to pay extra fees to pay using a credit card (those fees add up). Btw, the debt card for my checking account stays locked at all times in my home safe bc I don’t use this card to make purchases. I ONLY use a credit card to make daily purchases and I also keep that card locked until I’m about to swipe it. Then I have an automatic payment set up from checking account to pay that entire card balance off before next billing cycle. I have multiple savings accounts at separate banks and there are no automatic deductions or other accounts connected to those accounts. The debt cards for those accounts are locked and kept at home. Also I do NOT use digital payment apps. No Cash app, no Venmo, no Applepay, no Zelle. If I can’t pay with my credit card I don’t need it. I’ve been pretty lucky so far so I’m going to stick with what works for me. Good luck everyone.
No you use one card just for subscriptions.
Never directly link your bank account. That one time they accidently add a zero or two can make you miss a house or car payment.
I have both an RFID wallet and no debit card. I also only have one credit card with a very low limit and I've still got a notice on it to alert me if any large or frequent purchases happen, even in-state. I've been safe thus far, but I always knew they'd do stuff like this one day, and the hackers wouldn't even be the culprits.
So that's how California governor Gavin Newsome is bailing out of debt. How can you protect yourself against credit card readers? PAY IN CASH and use your credit card for big purchases.
Yes, it's a good idea to only use credit cards, no debit cards. That means if someone does access your account they can't steal all your money. You can dispute charges with the credit company.
Only seniors profiled on this?
I was just thinking to myself why is it only seniors that have these issues😂😂😂😂
@@movingman07 stupid people factor prob got both cards.
Your ignorance is showing.
A chip and digital I.D. will solve all this...
Yes!!! That’s what I’m talking about! When will the gov help us get access to that great solution you mentioned?
I like how the solution is to buy a wallet that protects you. 😂 I think a better idea and more safe idea is go back to cash. This is nonsense. If this happens to me I will be using cash.
Try renting a car or hotel room with cash. You can't.
Wow, thanks, this is important to know.
Our previous card seemed convenient enough the next upgrade is going to be THE WORST.
This is absolutely ridiculous. Now I have to worry about whether my credit card may be paying for the person in front of me?!? I’m not getting myself a metallic wallet, purse, or any other accessory just to prevent this from happening. I’ll just be leaving my tap-to-pay credit card at home as soon as this happens to me.
A small RFID case is sufficient to slip into your wallet.
I have an RFID blocking wallet. It's not really bigger than any other wallet I've used.
why wait ? prevent it before. I was clueless until it happened to me. Now each CC has an RFDI cover plus a new wallet that is much smaller and slim and protects my cards also. Was not expensive to do and I also have my CC company text me when it's used for purchases. Not a problem, since now I have records of each of my transactions. It happened at Walmart. I will not go into the store anymore. I will buy online and pickup outside.
"Tap to pay" should require a physical tap, not a "wave over".
Tap to pay has never required a physical tap, I always thought that was a good thing from a hygiene perspective.. Though most of the time you need to enter your pin anyways but not always for some reason.
This happened to me in 2017 . At a good will machine charged my CC in my wallet in my right jacket pocket when I was holding my other debit bank card in my left hand. I leave that CC at home now. This happened for me in Ontario Canada
I was using the wtong pin on one of my cards for a week and my charges were going through. I called the FBI and they said it was a problem my bank had to deal with.
monstrously overpowered terminals
but now i guess scam chargers are right around the corner
time to get some of those RFID blocking envelopes
Very alarming!
I don't understand how a register can charge the same transaction twice...if it's paid for & approved, doesn't that automatically clear the system to allow for starting the next transaction?
I was wondering why this doesn't happen to me then I realized I bought one of those special wallets ages ago.
Yeah I think I need a RFID wallet for sure.
This nevers happens to me, I must being protected by a higher power.
RFID sleeves -like the ones given when getting a new bank/CC-, seem to work for me, so far. I got mine @ the Container Store
What about the RFID card sleeve, would that work?
Just stop shopping in stores and order everything online with delivery. In most cases it’ll be cheaper because you’ll save on transportation
Are you advocating for healthy people to live like medical shut-ins? Don't you understand this layer
of online technology adds more expense than living your life outside?
$6.99 for shipping
Why should we restrict our lives and allow them to continue to steal?!
@@user-pi2lq 😂😂😂
What if I want ice cream immediately?
What's up with San Fran and tap machines lately? 🤔
She made up that last one. When these receive a payment, the sale is instantly closed so it isn't possible to pay again which has nothing to do with the distance.
That would be a nope! Happened to me. They charged the card i used and a card in my wallet.
Unless it's a compute coding glitch. Remember. Computer coding is still done by humans. So it's still possible.
the signal strentgh from card readers should not be that strong
The suggestion to buy metallic wallets, to incur an additional expense, to fix a problem caused by the store or vendor, is not good enough.
That’s why I rather have cash
I only have a debit card which I keep a set amount on in my wallet.
It probably has an rfid chip. There were videos on yt a few years ago showing how someone with an rfid reader could steal people's info and $ without the person knowing it. It seems stores have that technology now and they or someone are using it to steal.
I remember a year ago they were telling everyone to tap to pay to prevent scams......
That was a problem at least 25 years ago. People were cutting the chips out of their cards.
These occurrences are not mistakes-they're by design.
Thank You Americans Are Brainwashed Slaves 😂
scary!
Incredible.
I love the one that went through the guy’s body AND wallet.