Card Hacked!
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I wouldn't be so quick to criticise, I think a heads up is fair as there seems to be a spate of CC attacks lately in the 3D community.
I would add that the security in using a paypal account is a good alternative option.
I think his point was that no info was offered re where he had used his card like we're offering.
If thats the case its highly likely that your system is compromised in some way. As paypal doesnt share the credit card details with the merchant. The only info that could be compromised between paypal and merchant is potentially your paypal account. And in that case any charges would need to go through your paypal account and not your credit card. I have never heard of this happening though. That really leaves the only place for your cc to be breached is between yourself and paypal or from a past exposure. Which potentially leaves your computer system in question as im not aware of paypal being hacked.
I am not sure how paypal works, I didn't actually set up a paypal account, it was a cc transaction via paypal if that makes any difference I am not sure. I have always just used my cc over the last 10 years and this hasn't happened. I am beginning to think it doesn't matter how you pay or where you shop, they will find a way to get your info unfortunately. How would I know if my system was in question and how would I fix it if it was?
This may be similar to last year's Taget/Home Depot/Hivewire and other on-line merchant compromise. I have one CC that I used here at DAZ, Rendo, TigerDirect and one time at Walmart. Up until the Walmart purchase, the card was fine. Next day, I have B of A calling about fraudulent charges. Annoying part is, this is the card that replaced the compromised card last year. Again, had no problems with the card until I made one purchase at Home Depot.
Problem is, you don't find out about compromises to companies like Target, Home Depot or Walmart until months after it happens.
I am not sure how paypal works, I didn't actually set up a paypal account, it was a cc transaction via paypal if that makes any difference I am not sure. I have always just used my cc over the last 10 years and this hasn't happened. I am beginning to think it doesn't matter how you pay or where you shop, they will find a way to get your info unfortunately. How would I know if my system was in question and how would I fix it if it was?
Checking out using this process is okay It uses the similar security measures as if you have an account with Paypal. Basically what you are doing is supplying your CC details to paypal who then pay the amount and debit the amount from your CC. So the merchant doesnt actually gain access to your cc details. Creating a Paypal account adds slightly more security, as you dont need to actually enter your CC anywhere after you link it to your Paypal account.. Whenn you go to pay using Paybal it will then redirect you to Paypal to enter your password. When complete paypal pays the amount to the merchant then debit your CC without need for you to enter your details at the point of purchase.
Some of the ways to protect your computer from being breached is to make sure you have Antivirus/ antispyware nstalled and up to date. Avoid using any password or personal detail autofillers when it comes to financial transactions. Make sure your browser and OS is updated to the latest version possible. Utilize a firewall to stop direct hackers gaining access to your system. Never use a public or unsecure computer for any banking or online purchases. Be careful with any phones or pads if you use them for banking or shopping as they can also be an issue. Be very careful what emails you respond to or click anything on. Always contact your bank directly if you receive any request for personal information from a financial institution via email. Be careful of discarding any paperwork with account numbers or such in the trash.
For most (almost all) of my purchases on-line I use a $450 credit limit credit card. However, there have been situations where I've found I couldn't squeeze another purchase out of it when needed so I've had to resort to a "real" credit card. Situations that I now regret and sweat over for fear of having exposed a bigger credit limit to online fraudsters.
I do use a real credit card for large or frequent moderately sized purchases in brick and mortar establishments but now that I'm retired I always try to pay off the balance every month. I keep a personally designed spreadsheet using "OpenOffice:Calc" in which I record all (read that as ALL) purchases and expenditures. I know exactly how much I have in cash, checking, savings, credit, and debt right down to the penny, every day! This situation is different than through most of my life. I'd always been a spendthrift and often tried to keep my bank balance in my head until the statement arrived and then I either put their number in my bank book or I panicked and scrambled to transfer money where needed to stop the hemorrhaging caused by cascading bank overdraw fees. When I was at the height of my career, money just seemed to be always available and spendable. However, economic collapse and unemployment are a cold shower for the financially careless.
So now that I have to live on no retirement plan (spent it during several marvelous world jaunting trips in the 90's), no house, and only Social Security, I HAVE TO keep track of my money and budget everything. I'm not destitute but I am frugal, and have learned to wait before making major purchases and distinguish between want and need, always yielding 'want' to 'need'.
OK, so I've wandered and blathered a bit but getting back to my spreadsheet... Each of my credit cards (1 large balance general purpose, 1 limited balance general purpose, 1 major department store, 1 major on-line store) and each of my bank accounts has a line on a summary page in my spreadsheet and by simply clicking on the card title for the line it opens that account on the Internet and I carefully check which purchases have actually been posted, and double-check the balance with my spreadsheet. I know in an instant if there are any unknown purchases.
I keep all my receipts carefully. "If I don't keep track of all the white paper, I can't remember where all the green paper went to". Whenever I come back into the house after spending money I enter all my receipts and count my cash and resolve all balances. I even know when I've been shortchanged (happens about 3 times a year) Yeah this practice takes a little time but I'm retired, single and poor what else do I do with my time? And I sleep soundly and have actually been able to save money and take small trips and go to concerts and enjoy meals out and buy new clothes and spend way too much at DAZ, despite my very limited income. I wish I'd been this careful with my money when I was making scads of it.
My spreadsheet design is for one year. It has a page for each month and a summary page for the year. I've been doing this for 4 years. The summary page has rows for major & periodic expenditures (automotive, medical, TV, phone, Insurance, groceries, gasoline, etc.) The summary page has columns for initial budget limits, monthly totals, under/over budget calculation, average monthly expenditure, and total expenditure. Ending balances from the previous year's spreadsheet are carried over into the new spreadsheet for the current year. I even have a page that graphs gasoline mileage for my car. All in all, my spreadsheet is not perfect, and it's not professional, but it works.
It looks to me like the two common stores are DAZ and Rendo. I hope they are both scrutinizing their systems and rescrutinizing them. A word of reassurance would be nice.
I opened a thread about this a week or so ago, when the similar thread on Rendo went up. Thankfully, the DAZ forum moderation quickly informed me that the problem must be on my system and deleted it. So I would assume the problem definitely cannot be with DAZ. Rendo did inform people that they don't store cc data, so it cannot possibly be them, either. Which must mean that everyone whose cc info was compromised must have an infected system.
Mine must be particularly bad, because non of the antivirus-software I've tried could find any infection on my system. Probably have to get a new hd and set up my system from scratch to get rid of it.
DAZ has also pointed out that they don't save CC information. However, they have apparently farmed out their CC responsibilities to a third party because someone keeps your DAZ CC information so you don't have to re-enter it each time (if you elect that option). But I elected not using that option years ago. However, when DAZ changed the store technology a while ago my credit card information mysteriously started appearing in my account! 8-( Who do you trust? DAZ or the unnamed 3rd party? Or should we consider carrying around crates of chickens and egg cartons?
As the warning to members to watch their card has been issued and there is no other value to trying to guess or speculate where the issue may be, and as the thread keeps going into TOS-violating territory, we have no choice but to lock the thread, though we will leave it here in place so others can watch their cards if they feel this may effect them.