Hot answers tagged

39

It says that, when you hand them 500 INR bills, they replace those with 100 INR bills since they look similar. So in the first case, when you hand them 500 INR and the object costs per say 50 INR, they will give you 50 INR change instead of 450 INR. When you ask them about where the rest is, they will show you 100 INR and tell you that you have given them ...


36

If you have a sufficiently modern iPhone (eg. anything that runs iOS 9 would be fine), then enable a passcode, set "Require Passcode" to "Immediately" (so you have to enter it every time you open the phone) or something short. The phone's memory is encrypted using a key derived from the passcode. No passcode, no personally identifiable data. If you do this, ...


24

Yes - it does increase the risk of identity theft, however for most successful identity thefts, the attacker would need various other bits of information as well. The best way to think of it is that every piece of information about you an attacker has, the less effort he has to expend to impersonate you. Once an attacker can impersonate you they could ...


20

If you paid by credit card, dispute the invalid charge immediately with your credit card company/bank and let them handle it. You'll get the money back quickly, and it becomes their problem from then on. If you did not pay by credit card, things get more difficult. If you're still in Thailand, contact the Tourist Police, who should be able to help you ...


19

None, as long as you lock your phone with a password. It took the FBI several weeks of efforts to crack an iPhone belonging to the San Bernardino mass shooter, so a random low-level thief won't have the skills or tools to access your encrypted information. I would worry more about information stolen on your laptop, although that also can be mitigated by ...


19

I had this same issue with a hostel in the UK. I pressed the hostel for an explanation, and also found a forum thread of hostel managers discussing this policy. Both gave the same explanation. From their point of view, it was so they could take the money out my account if I didn't show up. They said they do it only in busy periods when they know they'll be ...


14

A passport copy can often contain sensitive information such as date of birth which can be used to access other sensitive information such as bank accounts. However, most transactions where you need to get in touch with customer care to get access will also require additional details such as secret passphrases, PINs, address information, or account numbers - ...


14

Why do they want item 3? Almost certaily so they can charge your card either now or in the future, and probably whether you show up or not. You should check what the cancellation terms etc are for this stay. You should also read this question, and note some of the risks involved in just emailing out your credit card details. As for ensuring the offer of ...


13

The 500 and 100 Indian rupees bills are almost identical in size and also looks somewhat similar. So to answer your first question, when you pay someone with INR 500 bill for some service/good, the person might trick you by saying that you paid him/her just INR 100 and return you the change. Suppose one item costs INR 70 and you paid the vendor INR 500 for ...


12

The info I got from hotel showed that it charged $1 to my card This is an authorization rather than a charge; it indicates that the hotel checked to see whether your card was valid, but does not tell you whether they submitted an actual charge. As it is only a dollar it will have no practical effect and you should expect it to "fall off" on its own. As ...


8

If you want to travel to and from Mumbai airport (international/domestic) look for taxi counters inside the airport. Dont hire from unscrupulous persons (this way you wont get scammed). You can also book a cab by calling Merucabs.com or Easycabs.com anywhere in the city Regarding staying safe in the city, usually mumbai is very safe, except minor incidents ...


8

Most people that target identify theft are not looking at your cellular phone; they are looking at things that can be used to impersonate you - so your id card, passport, etc. People stealing phones are looking at reselling them for a quick buck. So, if you put a passcode on your phone, it makes it less of a target for being sold on. iPhones in particular ...


8

Unless you need that specific device, I would get a throw-away device to carry in questionable situations. You can get decent Android devices for under $100 US.


8

Giving out your security code via a non secure connection is a very bad idea. By doing this you essentially turn your bank account into a self-service account. Storing the CVV code in any form is against the PCI DSS Requirements (Payment Card Industry Data Security Standard), and by sending it via email it will be stored on someones computer which might ...


8

Reading through the information on the Happyrooms website, it seems there are two booking options involving credit card, one where you pre-pay Happyrooms in full when you book, the other where they forward your card as a guarantee to hold the room and the hotel will bill the card direct during your stay. Without knowing which option you used and for how ...


8

You don't indicate in which country or at which institution the card account is held, or what type of card it is. All of these factors may affect your liabilities. (For example, your liability on a lost/stolen U.S.-based credit card is up to $50 if the loss or theft of the card is reported after transactions have been made. But your liability is $0 if only ...


7

This rather more than a "shopping answer", hopefully. How to determine if Jade is genuine: This webpage provides an excellent discussion of types of genuine jade and of non genuine alternatives. This page is also very useful Excellent characteristics table for Jade and other materials. A pocket spectrometer is possibly a really good tool. These are ...


6

Everyone has given good advice about the phone and that it will almost undoubtedly be safe if you put a password on it (rather than a short PIN). The only issue that I see is to ensure that access to your email service is encrypted. Almost all are these days, so it's only a concern if you access mail without using SSL. You will see this under Advanced ...


5

The information page of a passport is an identity document and contains several fragments of personal information that could be useful to an identity thief: your full legal name, date of birth, photograph, etc... Somebody could potentially use that information, along with other details they research about your life and some social engineering, to impersonate ...


5

To claim for delayed flights compensation in the EU under (EU rule 261/2004) should only cost the price of a stamp to your airline. You should not pay a 3rd party company to do this for you. There are some very helpful tips that are provided by Martin Lewis (The Money Saving Expert) in the UK which I followed and were successful in my claim. I presume it is ...


5

It depends on whether or not you have internet access. If you do, then you have the wealth of information on the internet to help you: As you asked "what to do if you arrive at your destination after a long journey only to learn that your intended accommodation, is either overbooked or non-existent." that means you will have probably less than 12 hours ...


5

May I add these two sites: AirBnB is for renting between individuals and has a lot of last minute deals. CouchSurfing is for hosting people by other people, so worse comes to worse there is a last minute section there!


3

There is an app that integrates with Dropbox that encrypts your data, so that you get the convenience of having it everywhere but much more difficult to steal. It's called BoxCryptor, check it out. I have my passport and some insurance stuff on there as a backup.


3

File a criminal charge against an unknown person with the country authorities. Germans DO take those things seriously.


3

It is certainly uncommon enough that I have never seen this happen. Specifically, since you are asking about Balkan countries and you have tagged your post with Montenegro, I can say that this did not happen even once last month when I was traveling through 3 Balkan countries. For water taxis, we were quoted the price ahead of time but did not need to pay ...


2

@kenorb Hi, my name is Artem, I actually work at Happyrooms. Found this post occasionally. I'm extremely sorry for this issue. Here is the list of things I will do: Could you please write me your booking # or first and last name — I'll make sure we refund you. I'll make sure we block this hotel sales on our website. I'll make sure our Spanish partner ...


2

The only other recommendation I have is to delete (uninstall/remove) any banking related apps on the phone before your travel, for 3 reasons: It is not too difficult to retrieve logs generated by apps installed on a phone and I wouldn't completely rely on the banks that they have secured their apps in all possible ways You are likely to access internet via ...


2

There is no legitimate reason why the hostel should ask this. What is going on here is that charging the credit card without CVC code will incur more costs for the hostel. These costs could be lower if the hostel has a good record. Presumably the hostel has yet to prove that the way they conduct their business is secure enough for the credit card company ...


1

if merchant has secured booking in advance and locked your payment doesn't matter card is valid or cancelled, you will be charged after no show. if debit/credit card payment is not secured and cancelled before no show up then you will not be charged



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