[pchelpers] Re: Firefox toolbar add-on

Hi Arlene,

Sunday, August 27, 2006, 8:43:45 AM, you wrote:

>> and now, 5 minutes ago, a click on a link and a "membership charge"
>> to MY debit card number, fortunately only in the amount of $15.

EGlnl> What??? What link? What membership? If you click on a link and
EGlnl> enter debit card info, Firefox will not prevent that even if
EGlnl> you click on a criminal link that looks like the real one.
EGlnl> (Well, Firefox can prevent some phishing but not all.) You
EGlnl> yourself are responsible for any clicks on links and any
EGlnl> personal information entered on websites and any program
EGlnl> installations on your computer.

Arlene, as far as I know, you cannot use debit cards with online
merchants.  A debit card can only be used if you provide the PIN, and
you should only be asked for the PIN when you're using a terminal.

If you are using your debit card with an online merchant, then that
means that the card can also be used as a credit card.  It appears
that most debit cards can also be used as credit cards nowadays.


>> and in case anyone ever needs these addresses, even though my bank
>> will intercept internet fraud,

EGlnl> This is nonsense; if you send personal information to a
EGlnl> criminal website, there is no way that your bank can know about
EGlnl> that or intercept it. If you use your debit card to pay money
EGlnl> to a criminal, your bank cannot prevent that unless they know
EGlnl> about the criminal, and one can easily register new accounts
EGlnl> and especially new websites and run before banks or the
EGlnl> authorities start to block either.

As Ekhart says, the bank cannot intercept fraud unless the bank
already knows about the merchant, and if they already know about the
merchant, then the transaction would not be accepted by your bank.

Other than that, the bank can do nothing if YOU willfully send your
personal information to a phisher, unless you call the bank and tell
them that you were deceived.

What the bank CAN check for is transactions from local merchants not
in your area, or certain other things which send up red flags. In
cases like that, they can call you up to confirm the transaction.

With millions of transactions daily, they can't inspect each and every
transaction; they must either know already that there is a problem, or
the transaction must get flagged by their computers as suspicious.
You cannot assume that they are protecting you; that is a good way to
lose money.

-- 
Scott.



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