This morning, I was awoken by an automated text asking if I had tried buying $20 worth of gas. The gas station was seventy miles from where I was sleeping. I replied “no” to the text, and my bank deactivated the card.
This is the second time that I’ve been the victim of identity theft in the past twelve months.
The first time that it happened was after having the same card with the same PIN for about twenty-five years. No skimming, no theft, nothing for a quarter century! And then somebody hacks a major American corporation and steals my payment information. It wasn’t the antiquated technology of a magnetic strip that failed; it was the state-of-art server security.
This second time, happening less than a year after the first, was again not the result of the physical technology failing. After all, this new card has a super special chip embedded in the plastic. My bank has faith in the protection of microcircuitry so, obviously, that wasn’t the problem.
Sarcasm aside, it would seem that, in this day and age, it isn’t physical technology that poses the greatest risk. The most common point of failure is a typo in a line of code. I may never know exactly where or when the breach in security occurred, but at least identity theft is less dangerous than getting mugged.