[Plone-conference] security tips on credit/debit card usage in Brazil

[Patrick Gerken]

On 23.09.2013 20:29, Héctor Velarde wrote:
> for years credit/debit card fraud has been a huge issue in Brazil.
>
> according to one site:
>
> "Some 14% of those surveyed had seen fraudulent charges on their
> credit cards, nearly 13% experienced the fraudulent use of personal
> data, and roughly 7% were affected by card cloning[…]
>
> "But it's not all bad news on the fraud front in Brazil. Overall
> losses from credit card fraud are declining, even though the use of
> credit cards is growing. Card fraud losses in Brazil decreased from R$
> 301 million (US$ 177 million) a year in 2005 to R$ 213 million (US$
> 125 million) in 2010. During the same time, the number of financial
> cards more than doubled, rising from 360.6 million to 723.3 million."
>
> http://bankinganalyticsblog.fico.com/2011/10/mixed-news-on-fraud-in-brazil-1.html
> y
>
> even as nowadays it's more difficult for criminals to clone cards,
> some friends of mine have been victims of this kind of scam, some of
> them even this year.
>
> some recommendations when using your cards in Brazil:
>
> * never use ATM that are unguarded after banking hours; prefer ATM
> located on public spaces that could be difficult to hack like the ones
> on airports and inside bank branches.
> * never let anybody get your card out of your view; if you have to pay
> something, they must bring wireless terminals to you.
> * set a limit on your cards and check every day your transactions so
> you can discover any issue early.
>
> I think credit cards are insured and debit cards are not, but I'm not
> pretty sure on this.

Personal experiences as a foreigner:
About a quarter of the machines I saw accepted debit cards with the
Maestro logo.
They prominently display that support.
I have to enter my pin twice. I have to enter my card twice.
Most machines I used had 25% success rate in reading my card, for a
single read.
So at times I was busy half an hour to withdraw money.
I withdrew money a lot of times. Only a single time the machine failed
and did not deliver money. I saw a withdrawal of money on my bank
account, the next day the money was back on my account.
Using the debit card is the best way to get Reais, you get a better
exchange rate than when you want to exchange your currency to reais.
I always pay in cash.

Best regards,

Patrick

-- 
Patrick Gerken
Adlzreiterstr. 35
80337 München
089 70074288

-------------- next part --------------
A non-text attachment was scrubbed...
Name: 0x8CE9851E.asc
Type: application/pgp-keys
Size: 3226 bytes
Desc: not available
URL: <http://lists.plone.org/pipermail/plone-conference/attachments/20130923/c3653d0c/attachment.key>
-------------- next part --------------
A non-text attachment was scrubbed...
Name: signature.asc
Type: application/pgp-signature
Size: 555 bytes
Desc: OpenPGP digital signature
URL: <http://lists.plone.org/pipermail/plone-conference/attachments/20130923/c3653d0c/attachment.asc>