Foil Crooks By Writing A Fake PIN On Your Card

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Foil Crooks By Writing A Fake PIN On Your Card

Once you’ve ensured that you aren’t using an obvious pin number for your ATM card, one step for extra security could be to write a fake pin number on the card.

Photo by Chad McDermott (Shutterstock).

Should the card ever get stolen, the criminal will probably try to use the number written on the card to withdraw your money. The trick is to write it in such a way that it’s hard to read (difficult to parse eights and threes, for example). If you’re lucky, they’ll try three different incorrect PINs, which in most cases will lock out the card.

To be clear, if you know your card is stolen, you need to call and cancel it. But this is a nice extra layer of protection if you don’t notice the theft right away.

LPT: Put a sticker with a fake PIN number on your debit card. Make the numbers hard to read. If you lose it and someone tries to use it (3+ times) the terminal will lock your account and eat the card. [Reddit]

Comments

    • Yes, but they could attempt to use it for other transactions. Whereas if they saw a PIN, they may be more likely to try to withdraw cash, trapping the card.

      • This makes sense in only this context..

        However, with PayWave on pretty much every card now, crooks need only go to pretty much any major store and make purchases up to $100.

        Now.. add a bit more street smart and you have someone who can create transactions on your account. Buy a Mars Bar with PayWave, it adds the transaction to your account. The crook has your wallet as well as your card, so they also have your ID and other stuff. Now the crook rings your bank and identifies themselves as you.. they don’t know the password but they are asked to confirm a recent transaction to prove they are you… now they get your internet banking password reset, your email and phone number changed etc.. and they just take the money anyway.

        Even without the PIN, the amount of damage a smart crook could do is pretty major.

        PayWave is convenient but it opens up so many more security holes.

        • Can confirm that NAB and Westpac allow 6 digit pins.
          Although most of their staff told me I couldn’t.
          When I used their change password process I just entered a 6 digit and it accepted it.

          …so Nah nah nah

          • You can set 6 or more digits… But if your in a country that doesn’t utilise all 6 digits the banks just drop any input after 4.

            Reverse is also true and you pick a 4 digit PIN, then head somewhere that needs 6 (ie. parts of Europe) you need to add a double zero to the end of your PIN for it to work.

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