Next the Government will be implanting chips in everyone's arm containing everything known about that person. Tug
http://www.youtube.com/watch?v=lLAFhTjsQHw&sns=em
http://www.youtube.com/watch?v=lLAFhTjsQHw&sns=em
RFID Chip in your Credit Card
- Thread starter Tug
- Start date
RFID chips have been in many credit cards for a few years. A wallet or a sleeve with a shield built in can protect you from RFID related theft. RFID chips are also in Nexus cards (which are supplied with a shielding sleeve). As for the government implanting chips in us..... :roll:Tug":2f492096 said:
journey on
New member
Just a small comment. Those chips are implanted in YOUR credit card by CORPORATIONS, not the government. And CORPORATIONS don't care about fraud on the debit card, that's on you. They certainly watch credit cards, because that's their responsibility. I've had calls telling me they've shut down my credit card, because it's been used in China. So use any card with caution.
I don't know why one would use a debit card, since no-one offers a discount for using it. And since there's no fraud protection (as far as I know,) I refuse to accept one. I'd also refuse a credit card that had that wave front symbol on it.
And yes the CORPORATIONS are in love with Data Mining which is legal. They want to know all about you so they can separate more money from you. The government pales in comparison.
Boris
I don't know why one would use a debit card, since no-one offers a discount for using it. And since there's no fraud protection (as far as I know,) I refuse to accept one. I'd also refuse a credit card that had that wave front symbol on it.
And yes the CORPORATIONS are in love with Data Mining which is legal. They want to know all about you so they can separate more money from you. The government pales in comparison.
Boris
20dauntless
New member
I have several cards with RFID in them, I've used them all over the world, and have never had a problem with fraud. Even if someone did get my card info, I wouldn't be liable for any charges that I didn't make. It might be a bit of a hassle to identify the fraudulent transactions and get a new card issued, but based on family members experiences, it's not that big a deal.
Interestingly, my AMEX card recently stopped swiping and the replacement card they issued no longer has an RFID chip. Also, when I wave my wallet in front of an HID scanner to get into buildings, I normally hear two beeps, one from the keycard giving me access to the building and another from a Chase Visa Card. My AMEX never made the HID reader beep, but I don't know why.
Debit card theft is a bigger problem, since thieves can actually get your money rather than the banks money. It would be a major hassle if thieves got ahold of your debit card (and therefore checking account) and drained it...lots of overdrafts and fees could easily result. If someone charges stuff on your credit card, you just call the bank, have them cancel the card, tell them what charges are not yours, and pay for the charges that you actually made. You're never actually out any money.
Interestingly, my AMEX card recently stopped swiping and the replacement card they issued no longer has an RFID chip. Also, when I wave my wallet in front of an HID scanner to get into buildings, I normally hear two beeps, one from the keycard giving me access to the building and another from a Chase Visa Card. My AMEX never made the HID reader beep, but I don't know why.
Debit card theft is a bigger problem, since thieves can actually get your money rather than the banks money. It would be a major hassle if thieves got ahold of your debit card (and therefore checking account) and drained it...lots of overdrafts and fees could easily result. If someone charges stuff on your credit card, you just call the bank, have them cancel the card, tell them what charges are not yours, and pay for the charges that you actually made. You're never actually out any money.
20dauntless":1bkxm1t1 said:
Doesn't even take theft - accidents can cause you just as much grief.
Had a Visa debit card on file with a coffee shipper a few years back - he'd charge $38 every few weeks and send my shipment. One week, he keyed in an extra couple zeros...drained my checking account, causing all sorts of grief. Even though I recognized the error immediately and he reversed the charge the following day, the banks can take a couple business days to issue the credit...during which time, you continued to get screwed. Funny how they're able to immediately debit your checking account when a charge hits, but a credit takes days to process.
I cancelled and cut up my Visa/MC debit cards after that - it's simply not worth the risk.
You guys are scaring me. Not enough to give up the simplicity of the debit card, but a little. We will all be safer when we can just swipe the phone at the check stand and debit the bank account (yeah, sure!). Too bad they have to use the term "swipe". Now that scares me too.
The nice thing about debit cards for poor people is that nobody can take more from your account than you have in it, although getting it back can be a hassle, more so from banks than friendlier credit unions. My credit union also limits the size of transactions allowed to be debited. I tried to buy a $4500 item the other day with funds I had put into the account for that purpose and the debit was declined. The dealer had me call the bank to up the limit and they said to have them run the card as credit. They took a check rather than pay the 3% credit card fee. That was cool, but there are so few places anymore that take checks that the debit card is too handy to give up.
I guess it is a wood knocker, but the very few problems I have had with this new fangled finance culture have been quickly and correctly fixed.
The nice thing about debit cards for poor people is that nobody can take more from your account than you have in it, although getting it back can be a hassle, more so from banks than friendlier credit unions. My credit union also limits the size of transactions allowed to be debited. I tried to buy a $4500 item the other day with funds I had put into the account for that purpose and the debit was declined. The dealer had me call the bank to up the limit and they said to have them run the card as credit. They took a check rather than pay the 3% credit card fee. That was cool, but there are so few places anymore that take checks that the debit card is too handy to give up.
I guess it is a wood knocker, but the very few problems I have had with this new fangled finance culture have been quickly and correctly fixed.
I don't understand the value of a debit card. We put a lot of purchases on a credit card, always pay it off at the end of the billing cycle, the purchases are "protected" as is your account in case of fraud, you get to work with their money for the billing cycle, and we get some sort of "premium" with the credit cards (airline miles, cash back, etc).
Someone got (or guessed) our credit card # last month and made some internet purchases... Joan checks our info on-line almost every day. The credit card company called us to see if we were making "unusual" purchases... nope. They closed that account immediately, took the charges off our account, and had new cards in our hands the next day. That doesn't happen with a debit card.
None of our cards have the RFID chip.
Someone got (or guessed) our credit card # last month and made some internet purchases... Joan checks our info on-line almost every day. The credit card company called us to see if we were making "unusual" purchases... nope. They closed that account immediately, took the charges off our account, and had new cards in our hands the next day. That doesn't happen with a debit card.
None of our cards have the RFID chip.
I also prefer to use a credit card rather than a debit card. There are some places I prefer to shop that either don't take credit cards or only accept a card I prefer not to use.
I sometimes buy gas at Costco and I don't use the Amex card (the only credit card they accept), so I use a debit card. I don't think you can even use cash at a Costco gas station. Just hope I never loose the debit card!
Steve
I sometimes buy gas at Costco and I don't use the Amex card (the only credit card they accept), so I use a debit card. I don't think you can even use cash at a Costco gas station. Just hope I never loose the debit card!
Steve
I can think of better implants for convicted sex offenders but that would probably be even less PC. At least I bet no-one is trying identity theft on them.
The whole RFID in card thing seems to be much more popular in Europe to the point where they look at you sideways if you have a card without one and I don't hear screams of outrage or plunder from there.
BTW if you travel, your passport has one as well.
The Nexus readers at the border can read 4 of them in a stack.
My dogs have one each
M
The whole RFID in card thing seems to be much more popular in Europe to the point where they look at you sideways if you have a card without one and I don't hear screams of outrage or plunder from there.
BTW if you travel, your passport has one as well.
The Nexus readers at the border can read 4 of them in a stack.
My dogs have one each
M
20dauntless
New member
Merv, I'm not sure if the European cards have RFID in them any more frequently than cards over here do. European cards do, however, use a "chip and pin" system rather than a "swipe and sign" system. In case you haven't noticed, you can use any "signature" you want with your credit card...a smiley face, X, line...whatever. With chip and pin cards, you must enter a pin to complete a transaction, making them much more secure. For Americans traveling abroad this can be a hassle. In Copenhagen, for instance, I couldn't get any of my cards to work at the kiosks to buy bus and train tickets since none of my cards are of the chip and pin variety.
You can minimize the hassle of stolen card information by carrying multiple cards. When I travel I keep several cards in my wallet, which I keep with me, and several more in my hotel. If one of my cards is compromised or my wallet is lost/stolen, I just pull out the backups, cancel the lost/stolen cards, and deal with the paperwork when I get home. If you want even more assurance that you'll always have a card that works, get cards that use different networks (Visa, MC, AMEX) and from different banks.
If you have multiple cards and bank accounts, check out Mint.com. It aggregates information from all your accounts (checking, savings, brokerage, credit cards, mortgage...) and makes it easy to keep track of charges, balances, etc. Mint has good apps for iPhone and iPad that allow you to keep track of finances wherever you are. I use cards from several different banks and this allows me to keep track of them all from a single website or app.
You can minimize the hassle of stolen card information by carrying multiple cards. When I travel I keep several cards in my wallet, which I keep with me, and several more in my hotel. If one of my cards is compromised or my wallet is lost/stolen, I just pull out the backups, cancel the lost/stolen cards, and deal with the paperwork when I get home. If you want even more assurance that you'll always have a card that works, get cards that use different networks (Visa, MC, AMEX) and from different banks.
If you have multiple cards and bank accounts, check out Mint.com. It aggregates information from all your accounts (checking, savings, brokerage, credit cards, mortgage...) and makes it easy to keep track of charges, balances, etc. Mint has good apps for iPhone and iPad that allow you to keep track of finances wherever you are. I use cards from several different banks and this allows me to keep track of them all from a single website or app.
I remember watching this tourism type show about German night life. These guys in a bar had a type of bar code stamped on the back of their hands as they entered the bar. Whenever they ordered a drink the bartender just swiped the code and they just payed before they left the bar. I wonder if this was a type of RFID.
If they chipped criminals, politician's would be refered to as chipheads. Tug
If they chipped criminals, politician's would be refered to as chipheads. Tug
Our latest pup was "Chipped & Snipped" at the same time and he had committed no crime. Maybe that's a good option for the people you mentioned.
Doesn't seem to stop him stealing my shoes or eating deer poop though :disgust
In terms of invasion of privacy I personally find it more disturbing that it is really easy for someone to scan your cell phone contacts and who you have been calling, track you movements etc etc without due cause. Maybe fair game if there is cause but otherwise...? (Not picking on law enforcement with that comment, just pointing out how easy it is)
M
Doesn't seem to stop him stealing my shoes or eating deer poop though :disgust
In terms of invasion of privacy I personally find it more disturbing that it is really easy for someone to scan your cell phone contacts and who you have been calling, track you movements etc etc without due cause. Maybe fair game if there is cause but otherwise...? (Not picking on law enforcement with that comment, just pointing out how easy it is)
M
riversun45
New member
My cat has one. He hasn't been stolen
journey on":1iaz8sk5 said:
Maybe yes, maybe no. Who "owns" the corporations? In fact all of us do. If you have a 401, mutual funds, any pension savings, etc--they all invest in stock in the "corporations". Yes, one person can have input even to the largest corporation if they wish.
You are worried about RDIF cards? You are getting a lot more tracking by using the internet--both by those "evil corporations" and by the government. Talk about mining data!--How about Google--biggest miner of all time.
My son is in the credit card soft ware business--they deal with millions of transactions an hour. (Between the card reader and the banking system) Currently in the US, RDIF readers are a very very small part of that business. The company he works for also does business in Europe. There the vast majority of credit and debit card transactions are via RDIF.
But...don't forget that RDIF is not just credit cards--but also tags in goods, so your habits are tracked by Wally world or whom ever. I have no idea what happens to that data. But I am sure it is used to target us as customers.
I am in favor of chipping criminals--it might keep some from falling thru the cracks!