Posted on 09/30/2019 10:07:37 AM PDT by Red Badger
Edited on 09/30/2019 11:17:30 AM PDT by Jim Robinson. [history]
I never, ever, ever use my debit card in public. The ATM only......so many friends and neighbors in our area have been scammed especially at gas stations. We have a credit card I charge on......then come home and pay it off.....it’s not worth putting out such private info like a PIN especially nowadays.
I use white out on my debit card over the 3 digit code. If I hand the card over and it returns with the white out scratched off then I know. hasn’t happened yet but...
Good idea.
Good reason to use CREDIT, not DEBIT cards. Over the decades, I had many of my sailors experience theft of their debit card info by employees of stores/restaurants they shopped at. Their first tip that something was wrong was usually a bounced check or failed automatic transfer. Checking and/or savings accounts were empty, and it was a long process to work with the bank to restore the false charges, and work with each vendor who they had bounced a payment with. In some cases, they were unable to recover all of the money or fees. After seeing it happen to so many people, I don’t even have debit cards.
Credit cards on the other hand, usually catch fraud right away and reversing the charges is quick and easy. Of course, this is because the thief is stealing THEIR money, not yours.
I was just left some money from a life in insurance policy via a uncle who passed away.
The claims woman who sounded like she was from India was pressuring me into direct deposit and wanted my banking info.
Not a chance honey.
Paper check in 8-10 days is fine.
Interesting
What a coincidence!
I just got a e-mail from a long lost relative in Nigeria!.............
Preach it, Brother!
I once found an unauthorized charge for >$5000.00 … had to sign paperwork, but was not held liable for it.
Same here.
Yes, credit cards don’t give any hassle when a charge needs to be reversed.
Just recently I was in post office buying 6 stamps. The damn machine didn’t take cash, so I had to use my credit card. I thought I was done.
However, the lady behind me said. Always, ALWAYS make sure you log off or someone else can pay for postage with your card. Then she said she logged off for me.
I thanked her and walked off. Little did I know that she charged the cost of mailing her package to my card($13.40). Found out what she did when I went online to look at my recent charges.
It was promptly reversed. Guess the lady thought her advice was worth something. lol
People are such work.
Last year someone tried to use my card to purchase over $250 parts at O’reilly Auto Parts online. Alert contacted me— had to close out that account# and issue another. Thieves and scammers deserve all the rotten karma in multiples.
I talked with an American Express fraud expert. According to her, the vast majority of fraudulent activity comes when you hand your card to someone else. She mentioned wait staff particularly, but anytime the card is out of your control, you are at risk.
I asked about transactions going back and forth over the internet, and she said those were a small percentage, the real problem is giving someone else your card. My wife and I have each had a couple of incidents over the years where we got fraudulent charges on our cards, and they were all traced back to us giving our card to someone to pay for something.
Last I heard, criminals were paying $500 per 10 of such photographed credit cards, front and back.
Many of those places have been actively hiring drug addicted and drug dealing criminals for years, and they are extremely unsanitary. The managers are in on it, too.
Where's Father Brown when ya need him???
Cash only here too. For most daily expenses, anyway. We do use the debit for gas. We don’t own credit cards. Not a fan of debt.
If we only paid these workers $15/$20/$25 an hour they wouldn’t have to resort to crime. /s
that sounds liek a cool deal- one of our banks will call us whenever there is a large purchase to make sure it’s us- the other bank- not so much-
“...We don’t own credit cards. Not a fan of debt....”
Yeah, I learned that lesson a long time ago. Learned to live without them real fast.
Life is better, maybe less convenient, but definitely better...
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