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.

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.

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?

In article ,
says...

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?

The ATM card is only good for an ATM machine, with the security code.

Boating All Out wrote:
In article ,
says...

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?

The ATM card is only good for an ATM machine, with the security code.

Most terminals are the same as an ATM.

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.

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.

An atm card is a debit card. If it s a branded atm with the visa or MC
logo, then can be used as a credit card, without the cc protections.

In article 2051856855440640642.009357bmckeenospam-
, says...


An atm card is a debit card. If it s a branded atm with the visa or MC
logo, then can be used as a credit card, without the cc protections.

An ATM card is an ATM card.
A debit card is a debit card. It will work at ATM machines.
A credit card is a credit card.

You can read about the difference if you like.
It's all over the internet.

My ATM card has only the Chase logo on the front.
It says ATM on the front in big letters.
The back has the Cirrus and Infolink logos.
It will NOT work without the PIN.
Some places other than ATM's MAY accept payment from an ATM card.
I never tried it with my Chase ATM card. I only use that for ATM's.
Many places only require debit card users to sign their receipt, not
enter the PIN. A reader with a "Credit" button won't require a PIN if
the "Credit" button is pushed. But it still is a debit to your bank
account.
Anyway, Chase does issue an ATM card. I have it. They also issue a
debit card with a Visa logo. I threw that away after they said they'd
send me the ATM card.

Boating All Out wrote:
In article 2051856855440640642.009357bmckeenospam-
, says...


An atm card is a debit card. If it s a branded atm with the visa or MC
logo, then can be used as a credit card, without the cc protections.

An ATM card is an ATM card.
A debit card is a debit card. It will work at ATM machines.
A credit card is a credit card.

You can read about the difference if you like.
It's all over the internet.

My ATM card has only the Chase logo on the front.
It says ATM on the front in big letters.
The back has the Cirrus and Infolink logos.
It will NOT work without the PIN.
Some places other than ATM's MAY accept payment from an ATM card.
I never tried it with my Chase ATM card. I only use that for ATM's.
Many places only require debit card users to sign their receipt, not
enter the PIN. A reader with a "Credit" button won't require a PIN if
the "Credit" button is pushed. But it still is a debit to your bank
account.
Anyway, Chase does issue an ATM card. I have it. They also issue a
debit card with a Visa logo. I threw that away after they said they'd
send me the ATM card.

The ATM card with a pin is a debit card. If it does not have visa/MC logo
it is a PIN number only card. Can not be used as a signature card.

The Home Depot hack caught a lot of us. I used to use my debit card exclusively as at that time I had no credit cards after closing all of them out and paying off the balances.

When the HD hack occured I got an email from my bank stating that my debit card was on their watch list. A few weeks later someone in Russia tried to use the number to charge something. The bank caught it prevented the transaction and sent me a new debit card.

About that time I applied for and got a new credit card which I now use exclusively instead of the debit card paying off the balance each month. It is safer in some ways to use the CC instead of the debit card, in fact since I got the new CC I have only used my debit card when drawing out cash from the ATM.