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That's real nice and understanding, Paul. If I happen to have the "nuisance" of having
hundreds or thousands of dollars debited from my bank account (because it was a debit
card),
I'll just have you deal with it.
Steve Ray
paul smith wrote:
> <CF_CC_rant>
>
> OTOH, I hate to see the Urban Myth perpetuated among professionals that the
> card holder is at *financial risk* from unsecured transmission of CC
> numbers over the Internet. The banks perpetuate this because THEY are the
> ones at risk from packet sniffers. Anyone with a Merchant Account has had
> the experience where even *fraudulent customers* got their CC charges
> reversed on *legitimate* charges. The real risk Merchants pose is the
> place where the CC data resides (transaction carbon copies in wastebasket,
> CC data in database, CC data in file cabinet, etc) not the route it used to
> get there (where employees can steal hard copy CC data, hackers break into
> computers and steal it, etc)
>
> The card holder does have the remote *nuisance risk* of having to protest
> fraudulant charges to the CC bank and get them removed.
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