Saved By The Bank
Or credit union, I guess.
Some of you may remember a few weeks ago, back in the middle of June, I suffered a major virus attack that resulted in me having to reformat my hard drive. The trojan allowed all kinds of stuff in, including programs that could steal information. I was worried about that and kept an eye on my bank account for a while. Turns out the bad guys waited even longer before trying to use my debit card info, part of which I had stored on a form filling program.
Got a call from the credit union security folks a couple hours ago. They were inquiring into the validity of a couple debit card purchases that had been attempted around 10:30 this morning. I'd made neither of them. Both were for small amounts of around 80 or 90 cents. I'd read elsewhere that's how the crooks check to see if the card info is good: they try to charge small amounts and that's what I kept checking my account for.
I told the gal I hadn't made the charges. She told me one of the flags that got their attention was that they tried to use invalid expiration dates with both purchases. I guess it's a good thing I'd decided a year or so ago to use invalid numbers when I stored that card number info on Roboform. I just kept the real date in my head and insert it when needed. Good thing I did or they'd probably be charging things to my card as I write this.
As for now, the gal canceled my old debit card as soon as she knew the bogus charges were attempted. I haven't added my debit card info to Roboform since I reformatted my hard drive and have no plans to. Should be ok now.
Kudos to the security folks at Provident Central Credit Union for catching this and giving me a call. I love it when they do that. I've had calls from them every now and then over the years, but this is the first time it was an actual crime in progress.