[Loyal Sedition]

Cloud?
Social network?
iPhone?

Nope, don’t use ANY of those.

No damn cell phone, no credit card.

Minimum balance in the debit account, so even when some one got my PIN it did them no good.
Happened once, without $800 in the account, or the ability to charge money not there, the thieves got not nothing!

I back up important files on CD, no stupid “Cloud” exposure.
I have actual work to do, so no silly social network, Twit-ter, texting, time waster, FR gets me all of that I can handle. ;-)

This guy needs to find some life in the actual world, if your whole life is “Virtual”, you virtually have no life!

Hard to have much sympathy.

[newzjunkey]

He’s a “professional” “tech journalist” they’re up their with lawyers, pundits and politicians in the sympathy department.

[USNBandit]

There is one thing you may want to change about the way you are minimizing exposure. Assuming you can keep track and pay off your balance every month, a credit card is actually safer than a debit card. In essence a credit transaction is an agreement between the credit card company and the retailer. The retailer is supposed to positively id you as the proper user of the card (which they almost never do.) A debit card is more of an agreement between you and the bank, where the security feature is your pin number.

In the event of a fraudulent use of a credit card, you can dispute the charges and you can also request a limit to the amount of credit extended. With a debit card, if you get nailed by a skimmer, you are responsible.

Large scale skimmer rackets are getting more common and they are targeting debit cards by getting a bunch of card and pin sets, making new cards and hitting a bunch of accounts in near simultaneous fashion.