On Fri, 19 Dec 2014 17:35:19 -0800 (PST), True North
wrote:

On Friday, 19 December 2014 21:25:35 UTC-4, John H. wrote:
On Fri, 19 Dec 2014 15:39:17 -0800 (PST), True North
wrote:


On Friday, December 19, 2014 9:39:10 AM UTC-5, Keyser Söze wrote:


-- *as Bush was one of the most
cerebral and professionally accomplished occupants of the White House in
the 20th Century --

"And was a complete idiot. You would praise another narcissist, you dumb ****."


SNERK!
What a complete idiot you are. Can't that brillo covered brain recognize sarcasm?

Hope you have a great Christmas, Don, and a super New Year!


Johnny, if only you were sincere......

I'm absolutely sincere. I hope your Christmas is super and your New
Year even better. Hopefully you'll get over the medical issues too.

Mr. Luddite wrote:
On 12/18/2014 4:43 PM, Tim wrote:
My wife is ditching her debit card. It's been "compromised " three
times this year. She has several automatic payments coming out of her
account monthly, and has to contact her accounts and switch stuff
over and has had to do this several times.

I won't have a debit card.



Banks heavily push their debit cards, credit cards, on-line banking
and auto deposit/payments systems. I think they should be 100 percent
responsible for any screw-ups or hacks of their software security that
results in theft of funds or identity.

I've had a few instances of fraud with my personal and company cards
over the years and they never charged me a dime. Bank of America,
Chase, and CitiBank - all the same.

It has been annoying to be declined in Las Vegas, for example, for a $40
purchase. I had to call the bank and verify it. They said I didn't
tell them I was leaving town so I told them I didn't think they needed
my itinerary and they could see I travel often. That was the first and
last time that happened with any credit card. They have some odd
procedures for determining what might be fraud.

SE

Mr. Luddite wrote:
On 12/18/2014 5:13 PM, Boating All Out wrote:
In article ,
says...

On Thu, 18 Dec 2014 13:29:11 -0800 (PST), True North
wrote:

D'oh!
Got a phone message from my bank this morning advising that there
nay have been fraudulent activity on my card.
Fired up the BlackBerry and sure enough there was a charge for
withdrawal of US funds from my account totaling just over 400.00
CDN around 10 PM last night. What the 'ell!
Had to go right down to the bank and get a new debit card.
Supposedly bank's fraud division will get back to me within 4 days
and refund my money when they are convinced it's fraud.
Nice Christmas present from the criminal element.

===

Sorry to hear that.

I don't know about Canadian law but in the US there are much stronger
protections for credit cards than debit cards. I generally advise
people to not use debit cards for anything other than ATM withdrawals.

I turned down the debit card from my bank (Chase) and insisted they
provide an ATM card. They did, but I had to insist.



What's the difference between a "debit" and an "ATM" card?


It used to be the Visa or MC logo that would allow them to run it as a
credit card. I'm not aware of any difference in personal liability.

BAR wrote:
In article ,
says...
My wife is ditching her debit card. It's been "compromised " three times this year. She has several automatic payments coming out of her account monthly, and has to contact her accounts and switch stuff over and has had to do this several times.

I won't have a debit card.
My wife has shopped at Home Depot several times this year and has used
her debit card. She gets a call immediately from the bank telling her
they have canceled her debit card and they are sending her a new one
because Home Depot's security sucks. After the second occurrence my wife
got the message.
I had the same problem and got free identity theft protection from them
for a year.

On Fri, 19 Dec 2014 21:25:47 -0500, Someone Else
wrote:

Mr. Luddite wrote:
On 12/18/2014 4:43 PM, Tim wrote:
My wife is ditching her debit card. It's been "compromised " three
times this year. She has several automatic payments coming out of her
account monthly, and has to contact her accounts and switch stuff
over and has had to do this several times.

I won't have a debit card.



Banks heavily push their debit cards, credit cards, on-line banking
and auto deposit/payments systems. I think they should be 100 percent
responsible for any screw-ups or hacks of their software security that
results in theft of funds or identity.

I've had a few instances of fraud with my personal and company cards
over the years and they never charged me a dime. Bank of America,
Chase, and CitiBank - all the same.

It has been annoying to be declined in Las Vegas, for example, for a $40
purchase. I had to call the bank and verify it. They said I didn't
tell them I was leaving town so I told them I didn't think they needed
my itinerary and they could see I travel often. That was the first and
last time that happened with any credit card. They have some odd
procedures for determining what might be fraud.

SE

===

It's always annoying to get declined. It happens to us all the time
when we cruise to the Caribbean even though we give them plenty of
advanced notice what are plans are, and frequently purchase thousands
of dollars worth of diesel fuel. Diesel is not usually the problem,
more often a relatively minor purchase in a store. We just switch to
another card for a few days and make the obligatory phone calls to get
it straightened out. The banks's fraud control systems are programmed
to recognize certain patterns of usage which have been associated with
problems in the past and it's not always obvious just what triggered
the alert.

On Fri, 19 Dec 2014 21:25:47 -0500, Someone Else
wrote:

Mr. Luddite wrote:
On 12/18/2014 4:43 PM, Tim wrote:
My wife is ditching her debit card. It's been "compromised " three
times this year. She has several automatic payments coming out of her
account monthly, and has to contact her accounts and switch stuff
over and has had to do this several times.

I won't have a debit card.



Banks heavily push their debit cards, credit cards, on-line banking
and auto deposit/payments systems. I think they should be 100 percent
responsible for any screw-ups or hacks of their software security that
results in theft of funds or identity.

I've had a few instances of fraud with my personal and company cards
over the years and they never charged me a dime. Bank of America,
Chase, and CitiBank - all the same.

It has been annoying to be declined in Las Vegas, for example, for a $40
purchase. I had to call the bank and verify it. They said I didn't
tell them I was leaving town so I told them I didn't think they needed
my itinerary and they could see I travel often. That was the first and
last time that happened with any credit card. They have some odd
procedures for determining what might be fraud.

SE

My wife got a call one evening asking if she was in New York. Someone
had just made a $30 purchase on her card there. Hell, that's only four
hours away. No idea what made them call, but glad they did.

On Friday, December 19, 2014 6:39:18 PM UTC-5, True North wrote:

On Friday, December 19, 2014 9:39:10 AM UTC-5, Keyser Söze wrote:


-- *as Bush was one of the most
cerebral and professionally accomplished occupants of the White House in
the 20th Century --

"And was a complete idiot. You would praise another narcissist, you dumb ****."


SNERK!
What a complete idiot you are. Can't that brillo covered brain recognize sarcasm?

It CAN recognize a dicklicker like you.....

Poquito Loco wrote:
On Fri, 19 Dec 2014 21:25:47 -0500, Someone Else
wrote:

Mr. Luddite wrote:
On 12/18/2014 4:43 PM, Tim wrote:
My wife is ditching her debit card. It's been "compromised " three
times this year. She has several automatic payments coming out of her
account monthly, and has to contact her accounts and switch stuff
over and has had to do this several times.

I won't have a debit card.



Banks heavily push their debit cards, credit cards, on-line banking
and auto deposit/payments systems. I think they should be 100 percent
responsible for any screw-ups or hacks of their software security that
results in theft of funds or identity.

I've had a few instances of fraud with my personal and company cards
over the years and they never charged me a dime. Bank of America,
Chase, and CitiBank - all the same.

It has been annoying to be declined in Las Vegas, for example, for a $40
purchase. I had to call the bank and verify it. They said I didn't
tell them I was leaving town so I told them I didn't think they needed
my itinerary and they could see I travel often. That was the first and
last time that happened with any credit card. They have some odd
procedures for determining what might be fraud.

SE

My wife got a call one evening asking if she was in New York. Someone
had just made a $30 purchase on her card there. Hell, that's only four
hours away. No idea what made them call, but glad they did.

My son in law lost his card in Costa Rica. They make 2 purchases according
to the bank. First a small one to see if card is good, then a big one,
probably in collusion with the store.

Wayne.B wrote:
On Fri, 19 Dec 2014 21:25:47 -0500, Someone Else
wrote:

Mr. Luddite wrote:
On 12/18/2014 4:43 PM, Tim wrote:
My wife is ditching her debit card. It's been "compromised " three
times this year. She has several automatic payments coming out of her
account monthly, and has to contact her accounts and switch stuff
over and has had to do this several times.

I won't have a debit card.


Banks heavily push their debit cards, credit cards, on-line banking
and auto deposit/payments systems. I think they should be 100 percent
responsible for any screw-ups or hacks of their software security that
results in theft of funds or identity.

I've had a few instances of fraud with my personal and company cards
over the years and they never charged me a dime. Bank of America,
Chase, and CitiBank - all the same.

It has been annoying to be declined in Las Vegas, for example, for a $40
purchase. I had to call the bank and verify it. They said I didn't
tell them I was leaving town so I told them I didn't think they needed
my itinerary and they could see I travel often. That was the first and
last time that happened with any credit card. They have some odd
procedures for determining what might be fraud.

SE
===

It's always annoying to get declined. It happens to us all the time
when we cruise to the Caribbean even though we give them plenty of
advanced notice what are plans are, and frequently purchase thousands
of dollars worth of diesel fuel. Diesel is not usually the problem,
more often a relatively minor purchase in a store. We just switch to
another card for a few days and make the obligatory phone calls to get
it straightened out. The banks's fraud control systems are programmed
to recognize certain patterns of usage which have been associated with
problems in the past and it's not always obvious just what triggered
the alert.
I can't blame them for looking out for fraud but I've had some strange
situations where I would charge $2000 one day at a store and get the
security decline the next day for $20 in the same county. Their
computers must be programmed to flag fraud but I can't figure out the
methodology behind it.

On Sun, 21 Dec 2014 01:46:28 -0500, Someone Else
wrote:

Wayne.B wrote:
On Fri, 19 Dec 2014 21:25:47 -0500, Someone Else
wrote:

Mr. Luddite wrote:
On 12/18/2014 4:43 PM, Tim wrote:
My wife is ditching her debit card. It's been "compromised " three
times this year. She has several automatic payments coming out of her
account monthly, and has to contact her accounts and switch stuff
over and has had to do this several times.

I won't have a debit card.


Banks heavily push their debit cards, credit cards, on-line banking
and auto deposit/payments systems. I think they should be 100 percent
responsible for any screw-ups or hacks of their software security that
results in theft of funds or identity.

I've had a few instances of fraud with my personal and company cards
over the years and they never charged me a dime. Bank of America,
Chase, and CitiBank - all the same.

It has been annoying to be declined in Las Vegas, for example, for a $40
purchase. I had to call the bank and verify it. They said I didn't
tell them I was leaving town so I told them I didn't think they needed
my itinerary and they could see I travel often. That was the first and
last time that happened with any credit card. They have some odd
procedures for determining what might be fraud.

SE
===

It's always annoying to get declined. It happens to us all the time
when we cruise to the Caribbean even though we give them plenty of
advanced notice what are plans are, and frequently purchase thousands
of dollars worth of diesel fuel. Diesel is not usually the problem,
more often a relatively minor purchase in a store. We just switch to
another card for a few days and make the obligatory phone calls to get
it straightened out. The banks's fraud control systems are programmed
to recognize certain patterns of usage which have been associated with
problems in the past and it's not always obvious just what triggered
the alert.
I can't blame them for looking out for fraud but I've had some strange
situations where I would charge $2000 one day at a store and get the
security decline the next day for $20 in the same county. Their
computers must be programmed to flag fraud but I can't figure out the
methodology behind it.

===

They really don't want you to figure out the methodology either. My
guess, and it's only that, is that there is some sort of weighted risk
analysis score that trips a threshold. I'm sure that the merchant
itself is part of the risk equation since some are not only sloppy but
actually have collusion by employees. Another factor is your buying
history for a given type of merchandise.