capt.com (should be .con) SCAM Beware

that sucks, but wouldn't have it easier to tell your bank to deny any charge coming from that site?

dencal said:

Hi Mike.
I fully concur.....have been doing exactly the same ever since banking on the internet.

Hi there

under EU rules (Iceland is EEA but follows the same principle) using a CREDIT card gives you more security as you can get your money back if the goods are not what you ordered or you don't get them. With Debit cards - you have ZERO guarantee of getting money back so for online shopping Credit Cards are actually SAFER. Credit cards also have an EU / EEA wide insurance protection that you don't pay if it wasn't you making the transaction -- with Debit cards - it's up to the Bank -- and most Banks are fairly Rapacious - they won't give you back anything without a lot of effort so I'd actually NEVER use a debit card for Online transactions.

Note EU / EEA credit card protection works World wide -- I'm sure in USA there is probably similar Bank protection.

@brainvision -- It's easier to cancel the card and get a new one -- have you ever tried PHONING a Bank these days and giving instructions -- especially when it's usually a horrendous Indian Call centre which raises other concerns.

Much simpler to say Card Lost / Stolen then anything on that card is blocked immediately. Banks have a dedicated immediate answering quick number for Lost and Stolen Cards that usually doesn't require endless Menu systems on those horrendous call centres.

Anyway please watch out for all these sorts of Scams --- a lot can't be defended by any sort of software - so even if you have the best A/V and malware protection on the planet don't get lulled into a false sense of security.

@dencal -- not sure how Bitdefender would have prevented this - in theory one was making a "perfectly normal" transaction -- the only way would be if these sites are in a database to be blocked - and of course to get blocked someone has to have had a bad experience before the site can get logged - "Chicken / Egg situation". !!

Cheers
jimbo

SMS subscriptions are a similar thing. You enter your mobile number to get a text to download something for example. Then they keep charging you €5 a week for these SMS until you figure out how to stop it.

jimbo45 said:

Hi there

under EU rules (Iceland is EEA but follows the same principle) using a CREDIT card gives you more security as you can get your money back if the goods are not what you ordered or you don't get them. With Debit cards - you have ZERO guarantee of getting money back so for online shopping Credit Cards are actually SAFER. Credit cards also have an EU / EEA wide insurance protection that you don't pay if it wasn't you making the transaction -- with Debit cards - it's up to the Bank -- and most Banks are fairly Rapacious - they won't give you back anything without a lot of effort so I'd actually NEVER use a debit card for Online transactions.

jimbo

That's the advice I give to all my clients. Here in the U.S., most banks will make it right in the case of a debit card being compromised, but you're broke until that happens. By law, you are only liable for $50 in case of fraudulent use of a credit card. Most credit card companies won't even charge that, and go out of their way to handle the situation and get you a new card ASAP. They want you to feel comfortable using their product.