ATM card, gaano ka kadalas gumamit?


As I meet new friends, along the conversation and getting to know each other is a topic of “what kind of work do you have”. Well… of course, everybody has his or her say but when it comes to me, the topic always stays, does it sound interesting to you? Well read on…

When ask about my field of work, one word i say and suddenly everybody is asking questions. It is all about ATM, cards, do’s and don’ts. I was thinking of a topic to post and then again, why not share it here. Generally… it may look or sound common, but the idea was from technical point of view. Information you should know when using ATM are as follows.

Before you insert your card, try to observe and see if the card reader slot is the usual or the same slot that you are familiar with. If you have a strange feeling that there is something attached in the card reader throat, hold it, move it a little… if it falls (hala ka nasira mo!) 🙂 it does not belong there.

  • It might be an improvised mag-stripe reader or a “skimming device” and can only be attached by a double-sided tape or a super glue. Its purpose is to read all the data in your card. This device as they design will make you feel that it looks like a part of the ATM.




  • “But it takes two to Tango” – Information they get from your card is not enough; they need your PIN (Personal Identification Number). And this PIN is not in your card as most of you knows… it is in your bank’s “server host”. A spy camera attached near to the ATM’s and is pointed to numeric keypad is commonly used. It records while you enter your PIN. Other way is, somebody might be standing close enough to see what numbers do you encode, meron din naman nagamit ng telescope pero bihira.The best way to beat this is cover your hand with the other and make sure that nobody can see what number you enter in the keypad.

  • The “LOW-TECH WAY” is the use of normal transparent/double-sided adhesive tape or a string, and it will do the trick. The purpose is to get your ATM stuck in the card throat. Then, somebody you dont know will try to lend a help… there is nothing wrong with it! Sige lang at patulong ka. But if he or she tells you “ay na-capture na ata ang card mo” and then in the long run ask for your PIN, gawin mo… sapukin mo agad 🙂 sabay murahin mo ng “gardemet!!! ako pa lolokohin mo… nek-nek mo!!!” – If your ATM card is stuck in the throat and you have visual, kuha ka ng panundot. Kung hindi mo mahugot, itulak mo papasok. I am pretty sure that the ATM will be OFFLINE and no one can use it not unless a technician will remove it from the card reader when attended for servicing.

Do not reveal your PIN to anyone, do not write it in a piece of paper or the ATM card sleeve and then put in in your wallet or somewhere else (tanga ka pag ginawa mo yun!) 🙂 There are banks who generates PIN code and then issue the card to you as you open an account. Ask their customer service if change of PIN is available in the ATM and then change it right away. Do not use numbers related to your birth date, anniversary, cellfone numbers or any common set of number that can easilly be guess.

Few facts… ATM will go OFFLINE if the card reader is jammed and if the connection to the host is down. Some ATM’s are online even when the connection is down, it depends on the setting or requirements of the bank. The display may indicate that it is ONLINE but when you insert your card and do a transaction, the response time takes longer than the usual. An average normal transaction should be not more than 30-40 seconds before you will see a response from the host. If in any case no response for more than 1 minute, it simply means there is no connection or your bank server is not connected to the ATM you are using (in case of Bancnet, Megalink, GCCNET, etc…). Eh, ang problema eh ang tagal lumabas ng ATM card mo kaya di ka maka-alis. Don’t panic! the default setting is 5 minutes maximum in any worst case scenario. Lalabas at lalabas ang card mo within this span of time. Pwera lang kapag may sira ang card reader but that is a different scenario and has nothing to do with the “no connection” thing. 🙂

So much for the ATM card fraud thing… i will try to post the withdrawal do’s and don’ts next time. yun ay kung interesado pa kayo hehehe… 🙂

Questions and comments are most welcome 😉


~ ni R O Y sa Oktubre 29, 2007.

9 Tugon to “ATM card, gaano ka kadalas gumamit?”

  1. Thanks roy for the info. Buti na lang nadiscuss mo to. From now on check ko palagi ung card reader slot before using ATM.

  2. salamat sa info. here’s my question… pwede ba magwithdraw ng money from you? pakiwire transfer na lng. i’ll pm you my bank acct. haha 🙂

  3. echusa dear – glad to be of service 😉

    oist.. toish! – sige send mo, sama mo na din pati details mo. wag mo kalimutan yung routing nos. mo ha hehehe… ako ang kukuha sa account mo yahuuuu!!!

  4. Very informative.Now i will be more cautious in using the atm machine madalas kasi salaksak lang ako ng salaksak…posible palang mapahamak ako….

  5. gee. this one’s very useful, especially for young and first-time ATM holders like me. thanks!

  6. gee. this one’s very useful, especially for young and first-time ATM holders like me. thanks!

  7. ay ay, sorry na-doble ung comment.

  8. hoooooooooooo

  9. this is very nice information i like very much and it is very useful information to known atm service but icant this page send you are arrange process very easy that we are send email to our id

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