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yeah the banks and their respective engineering staff need to have their PPs slapped on live TV for the next 100 years for their bullshit
I went thru this last year 3 separate times - they would send me a new card and cancel my current one without even asking me to do it because I was activating the current one using the exact process they told me to use.
this happened twice but the third time, the card was activated by me buying a kitkat bar in the city I've lived in for 11 years. somehow seemed sus to them.
but somehow their dipshit ass fraud detection didn't trigger when someone 2500 km away in East Orange, NJ dropped $800 on a bbq using the card -
@spoiledgoods its the enshittification of everything.
plus NJ is a giant fraud state. Entire economy runs on some type of fraud, so NJ gets special treatment versus us second-class plebs.
It's not your money, they just let you hold it until someone who has a 'right' to it decides to spend it.
This reality check will now be charged to your account, to the tune of $14.95.
Your business is appreciated. -
You're saying credit card... i assume you mean debit card? Maybe not? Ive just never had a credit card with a pin, just debit.
A few years ago i had to get a new card for a ridiculously stupid reason. It was a few months after covid started. A big furniture store chain was going out of business so i bought some furniture. 2 of the items were in stock and i took them with me. I also bought 4 chairs that i was supposed to pick up in 2days.
At the store 2 days later... no signs, empty af. Apparently their warehouse (where the chairs were, 1½hrs away) had a covid outbreak and closed. I tried for a few months to get ahold of someone but all numbers were set to avoid ignorant people whilst going out of business.
I finally called my bank. Total was 600-something; chairs were ~400.they wouldnt allow a partial claim only the full amount which had to be declared as fraud. Fraud=new card. Could call to activate or auto-activate if i ran it, explicitly with pin. -
Side note...
You're right on the ridiculous lack of security whilst claiming it's an increase in security. That's on par ever since rfid chips were put in any cards. Digital security, encryption, etc., is as much a specialty of mine as networking and data architectures (yea... im a nerd even amongst dev nerds).
I've had several conversations, often with dimwits, on this topic. I've found this is the best way to get the point across:
An arduino chip, an RFID/NFC module smaller than a pack of tictacs, my phone and my cheap af NFC ring (looks like a random black ring, it's required to access several things), i could easily steal/use anyone's cards.
Walk by them to read the info from their card still in wallet.
Transfer their info to my ring (from blank arduino, itd take ~5m to create and write a program)
Use a blank/dysfunctional card to tap or insert for show.
The ring, on the same hand as holding the decoy card, projects their card info.
Good luck noticing, much less proving, theft. -
@jestdotty quit devrant?
I was extremely ill for the past month, and quite ill for several months.
Long story short, apparently the majority of my health problems (aside from my 2 inept limbs) should be significantly diminishing in the near future. Most of these issues have plagued me since childhood and, despite the piles of specialists, no etiology, nor effective treatment, had been discovered... til a week ago.
Im not sure if i should mention more in your presence... my condition turned out to be caused by one hell of a zebra. Exposition may encourage you down some very deep, black-hole-esq, rabbit-holes. -
Do you want to know the bad news or the bad news? The first bad news is there is an antenna in your credit card around the perimeter of the card. This acts as a way to provide energy to the circuits in the card. It also allows a remote device to read the card. So lets say someone setup a card reader on the sidewalk of a busy street. It could collect everyone's credit card numbers as they walk by.
The other bad news is they know this. Not sure what measure they have taken to counteract this. Maybe they can encrypt somehow. But any card reader at a store would have those keys. So I dunno.
If you want to see this antenna then pull apart your old card. If it has an antenna it will be fine wire around the edges of the card. I pulled an old card apart to see this once. -
@spoiledgoods maybe they laundering knowing they get bailed out for insurance on fraud? So maybe an insider to cc company?
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@awesomeest I didn't see your posts when I posted. The rfid thing blows me away honestly.
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A small advice about the "hard to find drug on a sketchy website", have a throwaway card that not directly tied to your bank(for example one of those loadable ones that just have X money on them) for things like that. That way if anything happens you mostly safe, at most lost however much was on the card at that moment
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@jestdotty there isnt visa (or whatever) gift cards in canada? I am very familar with preloaded disposable cash cards... since 2yrs after the epic divorce, my father (the epitome of that saying 'personality of a wet dish rag' crossed with enough unique, ridiculously odd habits/etc that im somewhat surprised he's not a serial killer, stalker, pedo, or something thered be a tv special or novel about), would buy/gift my brother and i a 100$ vanilla visa gift card 2x a yr (bdays and xmas)... or a mastercard or discover card after getting promo discounts due to his choice in credit card.
The visas(pretty sure still exist) required no personal info and could only be traced to point of sale. The latter varieties started to be purchased in our names, but had no other personal info connected.
I guarentee he still keeps buying me them at the same intervals, likely still in my name/unusable to him, despite no contact in ~6yrs.
I occasionally use his number for shit like temp whois info. -
@Demolishun
Took this pic for you. I had it broke open already because it's the "add" key to my front door setup. To add a new rfid/nfc chip to work as a key, you first need to use the "add" key here. Basically, i need to manually amplify it and use my personal, much stronger/more sensitive reader to confirm that the chip itself still works. If so, i need to put it under a microscope to fix it, cuz itd likely be a short on at least one side (if u zoom in i marked the 2, thinner than a hair, wire connection points to the chip)... then use either the super expensive micro solder, assuming the disconnect is at the chip not a break in the wire a bit further out, or, with an extreme steady hand and extremely fine tweezers, strip the 'glue' coating and affix another piece of wire atop like a patch.
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@Demolishun
Basically, it shows what you discovered with credit card chips. It's not a typical antenna. Its the same tech/idea of an electromagnet, plus the thinnest of the wire draws/captures ambient electricity, amplifying it via the chemical properties of electrically activated copper causing radical catalytic increase in the electrical charge. -
@Demolishun
I just remembered some previous commenting convos with you... apologies if my 'basic'(in my head) explanation hurt your head.
(I think/hope u know this, but for any randos... this comment is in no way some 'im smart you're dumb' remark) -
@awesomeest I couldn't remember the name rfid. You jogged my memory. Thank you.
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@jestdotty there is a thing called a "joule thief" that can do that. Every house radiates a low amount of power in the 50/60 hz range if you have power to your house. Or from wires in the air. I think the rfid is tuned to the frequency of the radio signal and can use power from that. Not the Feynman zero point or anything like that. Also, lead crystal radios also are powered by the radio signal itself.
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@Demolishun
fun little-known facts about basic tech...
most basic tech components aren't just capable of 1-way functionality. examples:
LEDs dont just emit light, you can actually reverse them and have them read light.
basic headphones (or nearly all really basic speakers of a similar structure) can read\digitise sound like a mic.
ofc these things are nowhere near ideal quality... but hey, if you're ever trapped on a desert island with a fully charged and otherwise functional long-range radio, that just happens to be missing a mic... but you have some cheap earbuds, yw ;)
side note: @~7, i found an uncovered phone line in my bedroom and nicked it when i tried pulling it up... was currently listening to my walkman. i broke a pair of earrings to get 2 little pieces of steel and tried connecting it to the headphones... ended up hearing static in a pattern resembling a conversation. realised my father was on his 'work' line... so i won a phone by selling chocolate and tapped it. -
@awesomeest my brother was working on a phone line. So I called it. Normally the 50 volts won't do much, but when the 100 V peak ac hits you get loud reactions. lol
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@jestdotty anybody?
Is it like the real life NZT?
Are you actually a senator high on super-intelligence-inducing designer drugs?
If so, can I have some? -
@Demolishun diabolical
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@jestdotty what we really need is a platform to crowdsource the data.
start with a big ass test/validation set, like a few thousand questions long, but where small batches (say 100-150 questions) accurately measure IQ by themselves, and then assign groups of volunteers on the platform to different variations of stacks, and then daily or a couple times a week have them take a test.
Then do a pca or some sort of regression to determine which stacks are canonically the most correlated with cognition improvements on a point for point basis.
Enough volunteers and the right platform and manufacturer differences mostly smooth out to give us some useful data.
Could probably build a company around the entire idea. -
@jestdotty thats what the testing platform is for.
you put in the 'data is used for analytics' bit in the EULA.
Keep the pool invite only and one-user per code, limit invitations to trusted users.
You don't need more than say 1500 users self-reporting and taking the online tests.
Probably bots regardless, but by keeping the testing questions randomized, no one is likely to have the full set. Attempts at automating with LLMs, and random stacks, will mostly average out as noise.
lol
I had weird apple charges on my credit card so I called the bank and told them I didn't do them and own nothing apple.
they cancelled my card and sent me a new one.
the new one came with a paper saying I need to activate it and the first time I use it I might need to type in the pin.
credit cards typically worked if you insert or swipe you have to type in pin,
and you can wave it over the machine for small charges and that won't ask for pin, which is probably what they're saying is I can't wave until I pin.
so I go to the nearby grocery store so I can activate the card with the pin and order online groceries later, and coincidentally they have a new payment machine (why?), one of those without buttons that just looks like a phone.
I insert it, expecting it to ask me a pin... it beeps saying approved
so
I got credit card fraud and they sent me a new card
and the new card is literally less secure
it's like banks want fraud
when I was calling in or being re-routed with the bank the messages were always "higher number of calls than expected"
how bad is financial fraud rn. why are they making it worse
I don't think my card was leaked due to pinning though. when you order stuff online there should be an approval process on your end to confirm but it just doesn't exist. so if anyone gets your credit card info they can just sell that. I had to order a very hard to find drug from one sketchy (to me) website and after I did so that email got signed up to a weird newsletter and I harassed the shit out of that newsletter company for contacting me. I would assume they also sold my credit card details, or it "leaked" in a hack, whatever. this whole damned circus. I have 4 months of the drug but at some point I'll need more and they're the only ones that have it... so I guess I'll get to find out
rant
fraud