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.

On Fri, 19 Dec 2014 07:47:24 +0000, RGrew176
wrote:


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.

I'm wondering if the HD hack is what got ours. We use credit cards and
got a letter from the bank that the cards had been 'compromised'. No
further info. Told to keep using them until we got the new ones -
which took a couple months because the system was so backed up. There
hadn't been any outside charges on ours.

Sure did make us realize how many 'automatic' credit card charges we
have out there.

On 12/19/14 7:58 AM, Poquito Loco wrote:
On Fri, 19 Dec 2014 07:47:24 +0000, RGrew176
wrote:


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.

I'm wondering if the HD hack is what got ours. We use credit cards and
got a letter from the bank that the cards had been 'compromised'. No
further info. Told to keep using them until we got the new ones -
which took a couple months because the system was so backed up. There
hadn't been any outside charges on ours.

Sure did make us realize how many 'automatic' credit card charges we
have out there.



I'll bet your bank offers you virtually instant text "alerts" over your
smart phone whenever one of your cards is used for anything. Our banks do.

One of my accounts is for on-line purchases only, and it is linked to
its own ATM card. I only keep $100 in the account unless I am making a
large purchase, and then I transfer in enough $$$ to cover that
purchase. That way, if the card is compromised, I'm only out a few bucks
until the bank makes good on it.

On Fri, 19 Dec 2014 08:39:34 -0500, Keyser Söze
wrote:

On 12/19/14 7:58 AM, Poquito Loco wrote:
On Fri, 19 Dec 2014 07:47:24 +0000, RGrew176
wrote:


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.

I'm wondering if the HD hack is what got ours. We use credit cards and
got a letter from the bank that the cards had been 'compromised'. No
further info. Told to keep using them until we got the new ones -
which took a couple months because the system was so backed up. There
hadn't been any outside charges on ours.

Sure did make us realize how many 'automatic' credit card charges we
have out there.



I'll bet your bank offers you virtually instant text "alerts" over your
smart phone whenever one of your cards is used for anything. Our banks do.

One of my accounts is for on-line purchases only, and it is linked to
its own ATM card. I only keep $100 in the account unless I am making a
large purchase, and then I transfer in enough $$$ to cover that
purchase. That way, if the card is compromised, I'm only out a few bucks
until the bank makes good on it.

I use the same card for everything. Don't use ATMs. It's a 'rebate'
card, so I even use it to buy a baking potatoe.

On 12/19/14 9:25 AM, Poquito Loco wrote:
On Fri, 19 Dec 2014 08:39:34 -0500, Keyser Söze
wrote:

On 12/19/14 7:58 AM, Poquito Loco wrote:
On Fri, 19 Dec 2014 07:47:24 +0000, RGrew176
wrote:


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.

I'm wondering if the HD hack is what got ours. We use credit cards and
got a letter from the bank that the cards had been 'compromised'. No
further info. Told to keep using them until we got the new ones -
which took a couple months because the system was so backed up. There
hadn't been any outside charges on ours.

Sure did make us realize how many 'automatic' credit card charges we
have out there.



I'll bet your bank offers you virtually instant text "alerts" over your
smart phone whenever one of your cards is used for anything. Our banks do.

One of my accounts is for on-line purchases only, and it is linked to
its own ATM card. I only keep $100 in the account unless I am making a
large purchase, and then I transfer in enough $$$ to cover that
purchase. That way, if the card is compromised, I'm only out a few bucks
until the bank makes good on it.

I use the same card for everything. Don't use ATMs. It's a 'rebate'
card, so I even use it to buy a baking potatoe.


Oh, I typically only use the ATM for cash at the bank, and then usually
at the grocery store. The alerts are good in case your card, credit or
ATM, is compromised.

I appreciate your use of the "Dan Quayle" spelling of potato(e)!
Whatever happened to him, anyway? The conversations between Quayle and
George H.W. Bush must have been fascinating, as Bush was one of the most
cerebral and professionally accomplished occupants of the White House in
the 20th Century and Quayle was...Quayle. Bush's assembly of the Iraq
War "coalition" was just a masterful accomplishment.

On Fri, 19 Dec 2014 09:39:07 -0500, Keyser Söze
wrote:

On 12/19/14 9:25 AM, Poquito Loco wrote:
On Fri, 19 Dec 2014 08:39:34 -0500, Keyser Söze
wrote:

On 12/19/14 7:58 AM, Poquito Loco wrote:
On Fri, 19 Dec 2014 07:47:24 +0000, RGrew176
wrote:


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.

I'm wondering if the HD hack is what got ours. We use credit cards and
got a letter from the bank that the cards had been 'compromised'. No
further info. Told to keep using them until we got the new ones -
which took a couple months because the system was so backed up. There
hadn't been any outside charges on ours.

Sure did make us realize how many 'automatic' credit card charges we
have out there.



I'll bet your bank offers you virtually instant text "alerts" over your
smart phone whenever one of your cards is used for anything. Our banks do.

One of my accounts is for on-line purchases only, and it is linked to
its own ATM card. I only keep $100 in the account unless I am making a
large purchase, and then I transfer in enough $$$ to cover that
purchase. That way, if the card is compromised, I'm only out a few bucks
until the bank makes good on it.

I use the same card for everything. Don't use ATMs. It's a 'rebate'
card, so I even use it to buy a baking potatoe.


Oh, I typically only use the ATM for cash at the bank, and then usually
at the grocery store. The alerts are good in case your card, credit or
ATM, is compromised.

I get 3% back for groceries, so cash is never used.

I appreciate your use of the "Dan Quayle" spelling of potato(e)!
Whatever happened to him, anyway? The conversations between Quayle and
George H.W. Bush must have been fascinating, as Bush was one of the most
cerebral and professionally accomplished occupants of the White House in
the 20th Century and Quayle was...Quayle. Bush's assembly of the Iraq
War "coalition" was just a masterful accomplishment.

On 12/19/2014 9:25 AM, Poquito Loco wrote:
On Fri, 19 Dec 2014 08:39:34 -0500, Keyser Söze
wrote:

On 12/19/14 7:58 AM, Poquito Loco wrote:
On Fri, 19 Dec 2014 07:47:24 +0000, RGrew176
wrote:


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.

I'm wondering if the HD hack is what got ours. We use credit cards and
got a letter from the bank that the cards had been 'compromised'. No
further info. Told to keep using them until we got the new ones -
which took a couple months because the system was so backed up. There
hadn't been any outside charges on ours.

Sure did make us realize how many 'automatic' credit card charges we
have out there.



I'll bet your bank offers you virtually instant text "alerts" over your
smart phone whenever one of your cards is used for anything. Our banks do.

One of my accounts is for on-line purchases only, and it is linked to
its own ATM card. I only keep $100 in the account unless I am making a
large purchase, and then I transfer in enough $$$ to cover that
purchase. That way, if the card is compromised, I'm only out a few bucks
until the bank makes good on it.

I use the same card for everything. Don't use ATMs. It's a 'rebate'
card, so I even use it to buy a baking potatoe.

Seriously? A baking potatoe? Merchantes must love you. ;-)

--
Patriotic Americans dump on Krause.