Montana Owners Club - Keystone Montana 5th Wheel Forum - View Single Post

Waynem · 11-07-2012, 04:06 AM

I feel an addendum to my long post is needed.

It is stated on the DISCARD web site, in bad English, that nowadays stores check credit cards when purchases are made. Yes, and they have become very complacent in that checking. The only true check is to ask for identification and verify the name on the card to a form of identity. Not saying that a crook cannot generate a false ID. Using a CC in today's world does require additional information, but typically only when using the CC for on-line purchases. The stores we shop in typically process by two means.

This may have changed some over the years, but I believe it is still the basic processing. If the limit amount they have set, say $300, is not exceeded, they can process as a batch process at the end of the day/shift. It is more economical for them using this process. If the limit amount exceeds their set value, it is processed right away and additional information, at the register, may be asked for. Unfortunately, thieves know this and will use a scammed card for minimum purchases, but they can go back into the same store several times. In today's world, we walk up, items are checked and we slide our card through the card reader. How many times have you seen "Show card to cashier?" Well we all know what they want, it is the last 4 digits on the card, so instead of showing them the card, you just give the last 4 digits and they punch it in and the card is verified. Not necessarily going to your bank at that time, just the algorithm is verified.

More and more establishments are curtailing this type of activity by specifically asking to see the ID, but the cashier complacency is more and more evident when you can just speak the 4 numbers. On-line, you need expiration date, ccd number from the back, name and address, etc., so perpetrators visit only those sites that do not ask for a lot of information, or they have the card holders information from other means, like dipsy-dumper diving (your trash can - shred - shred - shred)

Oh! if you are signing a register receipt for your CC purchase, it is most likely being batch processed. And, when you sign that receipt look to see if "All" your cc numbers are there. If they are, use the pen and blacken them out except for the last 4 numbers. When all the numbers are displayed it is an old processing machine that is being used. The newer ones will have xxxxxxxxxxxx and the last 4 numbers.

Happy trails.

11-07-2012, 04:06 AM	#7
Waynem Montana Master Join Date: Sep 2007 Location: Texas City Posts: 5,736 M.O.C. #7673	I feel an addendum to my long post is needed. It is stated on the DISCARD web site, in bad English, that nowadays stores check credit cards when purchases are made. Yes, and they have become very complacent in that checking. The only true check is to ask for identification and verify the name on the card to a form of identity. Not saying that a crook cannot generate a false ID. Using a CC in today's world does require additional information, but typically only when using the CC for on-line purchases. The stores we shop in typically process by two means. This may have changed some over the years, but I believe it is still the basic processing. If the limit amount they have set, say $300, is not exceeded, they can process as a batch process at the end of the day/shift. It is more economical for them using this process. If the limit amount exceeds their set value, it is processed right away and additional information, at the register, may be asked for. Unfortunately, thieves know this and will use a scammed card for minimum purchases, but they can go back into the same store several times. In today's world, we walk up, items are checked and we slide our card through the card reader. How many times have you seen "Show card to cashier?" Well we all know what they want, it is the last 4 digits on the card, so instead of showing them the card, you just give the last 4 digits and they punch it in and the card is verified. Not necessarily going to your bank at that time, just the algorithm is verified. More and more establishments are curtailing this type of activity by specifically asking to see the ID, but the cashier complacency is more and more evident when you can just speak the 4 numbers. On-line, you need expiration date, ccd number from the back, name and address, etc., so perpetrators visit only those sites that do not ask for a lot of information, or they have the card holders information from other means, like dipsy-dumper diving (your trash can - shred - shred - shred) Oh! if you are signing a register receipt for your CC purchase, it is most likely being batch processed. And, when you sign that receipt look to see if "All" your cc numbers are there. If they are, use the pen and blacken them out except for the last 4 numbers. When all the numbers are displayed it is an old processing machine that is being used. The newer ones will have xxxxxxxxxxxx and the last 4 numbers. Happy trails.