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Jun 04, 07
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Issues with Royal Bank Debit Cards?
Has anyone else been getting strange declines lately?
I got one yesterday and one today that said I had exceeded my limit. It was the first time I used it today and it was only for a $20.00 purchase, on top of the fact that I don't have a daily limit. I have way more then that in my account so it's a bit strange. Then later today Shaun's got rejected as well. I know they were changing the names of all the accounts lately so I'm wondering if it has fucked with some peoples debit cards. 
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Jun 05, 07
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Yah I wrote them an e-mail through my online banking the other day when it happened the first time. But I think I'm going to call today if I don't see a response since it happened again yesterday.
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Jun 05, 07
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Yah I just got off the phone with them. They flagged my card as at risk for fraudulent transactions. This happened last year and it was a false alarm, but I guess better safe then sorry.
I wonder if that's what happened to Shaun's as well though.
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Jun 05, 07
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Yah I was able to work it out pretty quick actually. I already have the temp card in my possession. There have been times were it was a burden though, like if I had to work durring bank hours all week, but again better safe then sorry I guess.
My manager has recently gone through a nightmare where someone signed up for a bunch of stuff in her name. She got a call from a collection agency one day at work informing her she owed $20,000.00!!!
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Jun 09, 07
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So it turns out that it was more then just a precaution the bank was taking.
There was some issue where people at the IGA near our house were skimming debit cards. They tried to pull a shit load of cash out of Shaun's account. I didn't hear of them making out with anything from mine, but I'm glad they were on top of it.
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Jun 11, 07
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I don't get this whole debit card skimming thing....I mean when I was at that IGA I swiped my own card and there was absolutly no one around me to watch me punch in my PIN.
All the info on the net regarding this says that thieves get your card # and PIN by "double swiping" your card though a different machine then they just watch you punch in your PIN ( over the shoulder or with hidden cam somewhere ). They must be getting this info by some other means.
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Jun 11, 07
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^^^ Were you at the IGA in north van??
There was an ATM machine stolen from an IGA store in north vancouver, and a huge scam going on with the IGA bank machines accross the lower mainland. What a pain in the ass, now my daily cash limit is 100 bucks!! :(
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Jun 11, 07
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Yah it was in NV.
I remember getting a limit met decline before I called the bank. But it was over like 20 bucks. They sorted it out now, I just needed to get a new card.
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Jun 11, 07
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In the interest of the free flow of information and some clarification...
Skimming usually happens by either having some form of logger on the line between the card swipe and the processing unit [a man-in-the-middle attack] or by double-swiping into an additional unit - both these methods aim to record the data on the magstripe. You might or might not know that your debit card PIN is stored on the magstripe on the back of the card, so the swipe gets all the needed information [that's why it's fast to verify your PIN but slower to approve the transaction, only the latter goes to the bank]. A two-track stripe [which the RBC and most other debit cards have] reader/writer runs you in about US$300 on e-bay; a three-track [driver's license, amongst other things] is around US$500 last I checked. So not a lot of money needed to invest - but the payouts are considerable. This should probably clarify your query, DJDeeb. It's the swipe itself that's being targeted. The salesperson won't let you inspect the wiring probably [whether they're scamming you or not] so it's a big trust issue. In some places - Russia, for example - street ATMs were hijacked by organized crime rings by having such a device plugged in at the back of the machine, on the wire connecting to the bank. Nobody would suspect anything, right? No, I never did this and no, I don't encourage anyone to do it either. Beyond being suspicious for having a card reader/writer [which can be offset as you might need it for research] most ATMs have cameras on them. There are also relatively easy 'street' methods of detecting who's putting these out - you can already see another ring went down. And, despite what many may think, it is not a victimless crime - bank fees are meant to cover exactly for this. You didn't really expect a financial institution to lose money for your protection, did you?
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Jun 11, 07
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^ shut up.
i don't skim your bank account. my closet does.
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Jun 11, 07
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haha I think Shaun and I need to set up this kind of arrangement.
It's a win win situation. I get clothes I win; I look pretty in clothes he wins. Right right??? :P
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Jun 12, 07
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it's always a win when there's shopping involved <3
now i just need to get my daily limit back up, so i can stop having to resort to urban planet LOL <3
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