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Joined 8 months ago
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Cake day: November 12th, 2023

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  • US credit cards still don’t use a PIN. The rest of the world uses Chip&Pin or nfc contactless. The US uses magnetic strip very often, chip and no pin, and now contactless. The verification if asked, is not a PIN, it’s the billing zip code (5 digit postal code of the US). Usually just petrol pumps ask.

    It’s also why I strongly advise any foreigner visiting Murica to learn the default zip for their card. If you use an international card (any non American card in America) it will still ask you for your zip code and if it fails, no petrol for you. And in the US you must pay BEFORE you pump so you could quite literally be stranded because of their archaic banking system.

    Many European cards use 00000 or 12345. I’ve seen some Asian cards that use the last 5 digits of the card. Even if you have an American card if you aren’t the standard boring American household that never moves, it can be a pain. The card may have its billing address (and therefore zip) set to a place you’ve never been. But you have to remember it.


  • One reason I’ve stopped using reddit entirely. They require fingerprinting you. If you do a good job and they can’t fingerprint you, you get that screen. It is NOT blocked by IP of the VPN as some here have said. You can easily see the content through the same VPN while not logged on as long as you have enough identifiable tracking information to reasonably guess who you are.

    It’s a great test now. If I’m ever let into view reddit now, I must have seriously screwed up somewhere in my security chain.



  • Perfectly well said.

    It’s infuriating to have to split a banking app off the VPN tunnel because they deem that secure. Or that 2FA over SMS which is inherently insecure and spoofable is acceptable and REQUIRED versus an RSA key or authenticator app.

    It’s pushing me into grumpy old man territory quickly. My bank swapped to some of these requirements for their app last year so now I phone in on an international VOIP number over VPN and can do all my banking. It’s absolutely insane that’s its an acceptable form of communication over my secure device in my hand, but it’s easier to call the line like an octagenerian, give them digits off of a debit card, and be able to wire money in and out and around all my accounts. I see why scammers have such an easy time.