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General discussion (archive)Credit card fraud after purchase(42 posts)(42 posts)
(42 posts)
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This is my favourite topic
Posted May 18, 2012
With one bank, I have no problem purchasing.

With my credit union, they do flag it as suspicious and deny it because it's out of country.
Posted May 18, 2012
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DieRuhe: With one bank, I have no problem purchasing.

With my credit union, they do flag it as suspicious and deny it because it's out of country.
My credit union and two of my credit cards (but not the third... yet) do the same thing, but it's not simply because it is a foreign transaction. GOG is incorporated in Cyprus and apparently some credit card companies consider Cyprus to be a haven of credit card fraud. They block all transactions associated with that country by default, regardless of whether or not they are legitimate transactions. I end up using PayPal for all my GOG purchases now, it's the only thing I can be certain will work.
Posted May 18, 2012
2 comments from me:

First, one of the reasons I'm what SOME would call a GOG fanboy is because I have a good experience with them. Once I like a place, I don't really do much shopping elsewhere until they give me a reason to. (then I hold a grudge similar in fervor to my fanboism ;) ) With over 100 games on my shelf... GOG hasn't upset me yet, and remains my distributor of choice.

Second... I highly encourage anyone to use prepaid debit cards when buying online whenever possible. For privacy purposes... they aren't really tied to you. For theft purposes, the amount of damage that can be done is very limited. I'm about to ditch paypal in favor of this method as well.

Sorry for your problem and hope you get it resolved soon.
Posted September 24, 2012
After purchasing a game from this site, I to experienced fraud. While in the US my card was apparently happily buying expensive hotel rooms in Italy.

The billing goes through an account in Cyprus overseas, and my Credit Card company says a lot of fraud seems to transpire there.

Maybe GOG you should look to a different way of running your billing.

Thanks, a concerned customer.
Posted September 24, 2012
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hucklebarry: Second... I highly encourage anyone to use prepaid debit cards when buying online whenever possible. For privacy purposes... they aren't really tied to you. For theft purposes, the amount of damage that can be done is very limited. I'm about to ditch paypal in favor of this method as well.
Seconding this. I've all but abandoned PayPal now in favour of my pre-paid visa card. My name is Valued Customer and the balance is usually so low it's not worth a scammer's time.
Posted September 24, 2012
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hucklebarry: Second... I highly encourage anyone to use prepaid debit cards when buying online whenever possible. For privacy purposes... they aren't really tied to you. For theft purposes, the amount of damage that can be done is very limited. I'm about to ditch paypal in favor of this method as well.
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ABH20: Seconding this. I've all but abandoned PayPal now in favour of my pre-paid visa card. My name is Valued Customer and the balance is usually so low it's not worth a scammer's time.
This, jus transfer enough money to buy desired item and buy it, card stays empty all the time and can't be used even if they somehow obtain the full nr. + cv2
Posted September 25, 2012
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thorsman6565: After purchasing a game from this site, I to experienced fraud. While in the US my card was apparently happily buying expensive hotel rooms in Italy.

The billing goes through an account in Cyprus overseas, and my Credit Card company says a lot of fraud seems to transpire there.

Maybe GOG you should look to a different way of running your billing.

Thanks, a concerned customer.
the OP issue was not related to gog so yours is most likely not either

chances of someone intercepting data sent to gog or data from credit card servers is extremely low.

much more probable are various keylogers and other such programs on your own computer or even more likely someone took your card details when you were paying with your cc.
Post edited September 25, 2012 by lukaszthegreat
Posted September 25, 2012
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mbleeker: Hi there,

I just want you to know that my Bank has let me know that my card has been 'skimmed'. Likely this has been done a few months ago when I was on holiday in Aruba. My skimmed card has been used for two transactions:

1 - Carl's JR 1100652 QPS - San Diego
2 - Wal Mart #2150

My bank blocked my card after the 2nd transaction.

The moment of my first purchase at GOG and the moment that the Fraud was discovered (two days later) has lead me to believe that the Fraud has something to do with my purchase at GOG. I'm happy that this isn't the case.

So my sincere apologies for the trouble I might have caused you.

Regards,
Mark
It easily happens. My dad had his credit card "skimmed" at a gas station in the US last year. First he knew of it was a couple of weeks later when a slew of charges in Florida suddenly got his account locked. It was easy to prove it wasn't him doing it, though, as he was in Spain at the time :)

Another friend just had his entire Thailand bank account wiped out after he used his ATM card in the UK. Same thing. Credit card "skimmed" and then a duplicate created, and used to withdraw over $6,000 from his Thai account. In that case, his Thai bank was partially at fault, as they should have blocked the card after the second withdrawal in one day. Instead, they allowed 10 withdrawals!!

Needless to say, I don't own a credit card and I only use my ATM card at machines that are actually located IN banks. Really cuts down on the skimming problem :)

Sorry it happened to you.
Post edited September 25, 2012 by Bloodygoodgames
Posted September 25, 2012
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thorsman6565: After purchasing a game from this site, I to experienced fraud. While in the US my card was apparently happily buying expensive hotel rooms in Italy.

The billing goes through an account in Cyprus overseas, and my Credit Card company says a lot of fraud seems to transpire there.
We do not store credit card information for security reasons, and all vital information is sent through a secure connection, so it's impossible for anyone to hijack from us anything that could be used to make a fraudulent payment.

As for Cyprus, the only consequence of being a Cyprus-based company is some banks' standing towards this country. Past actions of "enterprising individuals", which originated in Cyprus, do not reflect upon our own security. They only impact statistics, which is why some banks are wary of transactions made through it. To my knowledge we do not process payments in Cyprus, but banks do check where a business is registered when a payment attempt is made.

As lukaszthegreat suggested, the typical causes of credit card info theft is low computer security (keyloggers and other spyware), deception (phishing websites, scammers), and physical credit card theft. Hijacking such info from encrypted databases or from real-time secure connections is extremely improbable. And then there are sites like GOG.com that don't store vital information, just in case.
Post edited September 25, 2012 by Firek
Posted September 25, 2012
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Firek: Hijacking such info from encrypted databases or from real-time secure connections is extremely improbable.
Maybe it's more common than people think but they spread keyloggers and thieves so people think that's the source when the real issue is HTTPS! :P
Posted September 25, 2012
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Firek: Hijacking such info from encrypted databases or from real-time secure connections is extremely improbable.
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Nirth: Maybe it's more common than people think but they spread keyloggers and thieves so people think that's the source when the real issue is HTTPS! :P
Why, that's preposterous! Also, if you hear someone knocking at the door, and see men in dark suits and sunglasses, please open the door peacefully and offer no resistance. Knowledge is such a dangerous thing... :P
Posted September 25, 2012
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Firek: Also, if you hear someone knocking at the door, and see men in dark suits and sunglasses, please open the door peacefully and offer no resistance. Knowledge is such a dangerous thing... :P
You know, sometimes you should just do that...

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General discussion (archive)Credit card fraud after purchase(42 posts)(42 posts)
(42 posts)