re #12.....smart, many people do the same thing. Debit cards are convenient, but, like you say....much more liability if lost or stolen. No reason for a bank not to issue a picture with on the debit cards....that would stop a lot of fraud attempts. Some banks issue credit cards with picture id’s which is very smart. I will say AMEX nowadays will not let large purchases take place if out of state at stores unless one notifies them 1st.....they did it 2 me twice here in NC from cities 100+ miles away that I go to on occasion.
We use Chase for our CC and we’ve had them put a hold on our card if they think the activity is suspicious (which we appreciate.) Once we bought a computer at the Apple Stores, and they charged out the computer, the software, and the accessories as three different charges, and Chase wouldn’t put the transactions through until they checked with us.