How to overreact

PSN Network has been down for a week. It’s not like it’s the end of the world. Sun is shining outside. Really. Sit down. Enjoy a drink. Enjoy life.

User information got to the hands of hackers. Well, that’s life 2.0. If you want have luxury gadgets that offer online services and you provide your data, then chances are at some point somebody gets them. It’s not that big deal, in Finland everybody’s street address can be asked anyway. Things happen. Calm down.

Credit card info potentially in the hands of hackers? Well, first of all… why you gave credit card info (or didn’t remove it after purchase)? Nobody forced you to do that. When shoppes store your credit card info, and when shoppes have data online, then there’s a danger that your CC info goes on the hands of hackers. I’m very aware of the fact that it’s convenient to let stores have my credit card data. I let them have the info. Yes, not the safest plan, but then I’m ready to buy few bucks in case I need to renew the card in case something bad happens.

In this case, I ordered myself a new credit card (just in case) and it arrives soon and things will be fine again in the Jussoland. And, even if somebody got my old CC info and bought something before bank closed my card, it’s the credit card company that will handle any fraud purchases. Not me. I’m saved. And now I’m double saved when new card arrives.

So… yes, PSN network has been down for a week or whatever. And yes, they probably could have informed earlier (although it should ring a bell when “service where you gave your credit card info got hacked”, even if nobody tells you anything) but… come on. Nothing really serious really happened here.

Sit down. Enjoy a pint (of alcohol free beer if you must) and enjoy sunshine.

Or like Douglas Adams would put it: Don’t Panic.

4 thoughts on “How to overreact

  1. Fili

    Heh, in Romania the situation is much better. You need a lot of paperwork to open a credit card and an ID with a photo, so all the names and addresses that the hackers got are useless. Also we have special internet-cards that are empty most of the time. When you want to make a purchase you transfer from the main account to the card account just the ammount that you want, make the purchase and the card gets empty again. This means that even if the hackers get all the info, they can’t use that card because it’s empty.
    We had a lot of frauds in the ’90s and now the banks took all the security measures to prevent most of them.

    Reply
  2. Lumooja

    I remember when our raid leader in WoW said once: “Don’t panic, the situation is under control”, when there were tons of mobs coming at us. Ten seconds later he announced: “Now you can panic!”.

    Reply
  3. MZ

    >>Nothing really serious really happened here.

    Incorrect. This is a serious breech.

    The credit card information retrieved will only be somewhat useful, but the personal information that was pulled from Sony is a goldmine for criminals.

    With a full name, address, and birthdate (all in the Sony data), you can sign up for MANY credit cards online in a very short period of time. Many companies even allow you to request credit without a social insurance number. Savvy fraudsters / organized crime can do this and then retrieve the cards from your mailbox.

    I don’t have a tin foil hat: I personally experienced this and it was a nightmare.

    This all flew under my radar as the cards and statements were pulled from my mailbox multiple times. I only found out what happened after the criminal detected that I my credit was maxxed out and then allowed the statements to hit my mailbox.

    Sure, I wasn’t assigned any of the debt, but the amount of time spent on retrieving credit reports and calling credit card companies was immensely time consuming. 10 hours on the phone the first day, and eight months of further clean up. Not only that, but I now have to permanently maintain an alert notification on my credit file because my information was likely injected into a database with a countdown to indicate when my credit will be ripe again.

    Had I been looking to finance a house or car, I would have been screwed to the nth degree.

    Your advice not to panic is correct to the degree that PSN users should approach this with a cool head. However, users should swiftly move to protect themselves:
    - Retrieve your credit report immediately
    - Any unknown or suspicious credit requests should be listed with a phone number of the credit lender. Call these numbers and find out what happened
    - Apply an alert notification against your credit record. This should be a free service from the credit bureaus, but may take some time to apply. Makes acquiring credit in the future a bit of a hassle, but less so than dealing with serious fraud clean up activities.

    Reply

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