{"id":4591,"date":"2013-09-12T13:49:00","date_gmt":"2013-09-12T13:49:00","guid":{"rendered":"https:\/\/evssolutions.com\/was-that-a-stolen-credit-card\/"},"modified":"2013-09-12T13:49:00","modified_gmt":"2013-09-12T13:49:00","slug":"was-that-a-stolen-credit-card","status":"publish","type":"post","link":"https:\/\/evssolutions.com\/insights\/was-that-a-stolen-credit-card\/","title":{"rendered":"Was that a Stolen Credit Card?"},"content":{"rendered":"

Over Labor
\nDay weekend, I decided to take advantage of the sales and purchased some small household
\nappliances. <\/span>In respect to the
\nnational retailer, I wont say the name of the store, but they are very well
\nknown for selling household items and Beyond!<\/span><\/p>\n

After all
\nthe discounts were applied to my purchases, the total amount ended up being
\njust under $100. <\/span>I swiped my VISA
\nDebit card and the cashier asked to see my card (which I thought was strange
\ngiven it was a debit card), she looked at the back of my card, saw the card was
\nsigned and handed back my card along with the receipt. <\/span>I was never asked to show a drivers
\nlicense or other ID to show proof in any way that I was the proper card holder. <\/span>Out of mere curiosity, I asked
\nthe cashier how she knew I was the proper cardholder just because my card was
\nsigned and her response was that as long as the card is signed, they arent
\nrequired to see a drivers license.<\/span><\/p>\n

Im pretty
\nconfident that my experience wasnt a glitch or anything of the sort. <\/span>Im also not picking on one retailer; this
\nwas just simply where I had the experience. <\/span>Im sure the requirements are set forth by VISA, Master
\nCard, Discover, etc. and all retailers adhere to the minimum requirements to
\nspeed up check-out lines in hopes of getting the 5 star review. Which sounds
\ngood in theory, but in reality that creates an easy way for an identity thief
\nto make continual purchases on a stolen credit card. In fact, adhering only the
\nminimum guidelines, it becomes much easier for a stolen credit card to be used to
\nmake purchases in-person, rather than trying to make a purchase onlinesounds
\ncrazy, but true. <\/span>Think about it,
\nmany online retailers implement ID verification services<\/a>,
\nsuch as those offered by EVS, to protect their customers against fraud. And
\neven if the online retailer doesnt engage in any specific fraud
\nprevention solutions<\/a>, the buyer (using a stolen credit card) still has to
\nknow the billing address of the card, try to ship the items to a drop location,
\nand overcome several other ordering challenges before being successful. <\/span>In person, the same items can be
\npurchased and be on their way, no questions asked.<\/p>\n

Im not sure
\nhow retailers can prevent the use of stolen cards without following simple
\nfraud prevention guidelines, or if they even care. But I do know, with the
\nswipe of a card, someone could be on their way out the door with a few new
\ngifts from you. <\/p>\n<\/p>\n

[Contributed<\/a> by Eric Knapp, Vice President of Client Services]<\/p>\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Over Labor Day weekend, I decided to take advantage of the sales and purchased some small household appliances. In respect to the national retailer, I wont say the name of the store, but they are very well known for selling<\/p>\n","protected":false},"author":40,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[34],"tags":[],"class_list":["post-4591","post","type-post","status-publish","format-standard","hentry","category-fraud-prevention"],"acf":[],"_links":{"self":[{"href":"https:\/\/evssolutions.com\/wp-json\/wp\/v2\/posts\/4591","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/evssolutions.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/evssolutions.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/evssolutions.com\/wp-json\/wp\/v2\/users\/40"}],"replies":[{"embeddable":true,"href":"https:\/\/evssolutions.com\/wp-json\/wp\/v2\/comments?post=4591"}],"version-history":[{"count":0,"href":"https:\/\/evssolutions.com\/wp-json\/wp\/v2\/posts\/4591\/revisions"}],"wp:attachment":[{"href":"https:\/\/evssolutions.com\/wp-json\/wp\/v2\/media?parent=4591"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/evssolutions.com\/wp-json\/wp\/v2\/categories?post=4591"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/evssolutions.com\/wp-json\/wp\/v2\/tags?post=4591"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}