Re: [Sheflug] Re: bounce

["Alex Hudson" <nospam [at] alexhudson.com>]

> OK. Fair enough. But I believe:
> 1) Using the internet is no more inherently dangerous STATISTICALLY than
> going to some dodgy garage where they take your card in the back "where
> the lights better" or whatever.

I would agree with that. Unfortunately, where you have a choice of garage,
you can't choose your internet...

> 2) You pay more for internet protection. Seriously, is carrying your card
> to the shops any safer? If you live in a dangerous area?

Did you know a lot of nicked CCs are now being run through the internet? It
seems a lot easier to take money off a credit card on the internet. You can
even order goods, worth £100s, and NOT have them delivered to the card
holders address. Can you believe that?!?[1] The hard bit seems to be getting
hold of the CC number in the first place - whether it be mugging a granny or
cracking a DB - but the place to make use of the info seems to be the
internet at the moment.

> Oh yeah, and my understanding of the Consumer Credit regulations is just
> that the banks do take the risk. That's why you pay exorbitant interest
> rates. To cover fraud which what the banks pay for.

. then the _customer_ is taking the risk, surely? Okay, the bank is taking
the initial hit (but they have big pockets anyway), but it all goes back to
the customer. It's just deferred risk ;)

Cheers,

Alex

[1] - You may think I'm joking, I'm not. I've done it myself. And not from a
penny-ante company, but from a  major UK hardware / music / video website,
with a product worth ~£200. It's a long story - I'm going to put a document
about it on my website cos it _really_ annoyed me when they did it (it was
accidental in a way - I didn't ask them specifically to do it, but for
various reasons obvious now they did).

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