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Be careful, with your debit card
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. |
Be careful, with your debit card
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. |
Be careful, with your debit card
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. |
Be careful, with your debit card
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. |
Be careful, with your debit card
|
Be careful, with your debit card
Tim
"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." The new debit card has the symbol for radio waves on it. I told the bank clerk I didn't want anything to do with that 'Tap and Pay' feature. She disabled it and I asked her to do the same for my credit cards. She said I had to call the number on the back of the credit cards to have it done. I've been uncomfortable with this easily hacked feature and unhappy that it is automatically included with the magnetic stripe and 'chip'. |
Be careful, with your debit card
On Thu, 18 Dec 2014 17:06:24 -0500, "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. === The banks have their issues at times but most of the hacks and screw ups seem to be at the merchant end. The banks that I'm familiar with spend hundreds of millions every year on security and fraud control systems. They do promote debit cards however because they are more profitable than credit cards: No free float for 30 days, and fewer consumer legal protections. |
Be careful, with your debit 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. |
Be careful, with your debit card
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. |
Be careful, with your debit card
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. |
Be careful, with your debit card
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. |
Be careful, with your debit 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. |
Be careful, with your debit card
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. |
Be careful, with your debit card
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 $$$ to cover that purchase. That way, if the card is compromised, I'm only out a few bucks until the bank makes good on it. |
Be careful, with your debit card
On Fri, 19 Dec 2014 08:39:34 -0500, Keyser Söze
wrote: On 12/19/14 7:58 AM, Poquito Loco wrote: On Fri, 19 Dec 2014 07:47:24 +0000, RGrew176 wrote: The Home Depot hack caught a lot of us. I used to use my debit card exclusively as at that time I had no credit cards after closing all of them out and paying off the balances. When the HD hack occured I got an email from my bank stating that my debit card was on their watch list. A few weeks later someone in Russia tried to use the number to charge something. The bank caught it prevented the transaction and sent me a new debit card. About that time I applied for and got a new credit card which I now use exclusively instead of the debit card paying off the balance each month. It is safer in some ways to use the CC instead of the debit card, in fact since I got the new CC I have only used my debit card when drawing out cash from the ATM. I'm wondering if the HD hack is what got ours. We use credit cards and got a letter from the bank that the cards had been 'compromised'. No further info. Told to keep using them until we got the new ones - which took a couple months because the system was so backed up. There hadn't been any outside charges on ours. Sure did make us realize how many 'automatic' credit card charges we have out there. I'll bet your bank offers you virtually instant text "alerts" over your smart phone whenever one of your cards is used for anything. Our banks do. One of my accounts is for on-line purchases only, and it is linked to its own ATM card. I only keep $100 in the account unless I am making a large purchase, and then I transfer in enough $$$ 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. |
Be careful, with your debit card
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. |
Be careful, with your debit card
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. |
Be careful, with your debit card
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. |
Be careful, with your debit card
On Friday, December 19, 2014 10:21:14 AM UTC-5, Let it snowe wrote:
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. Seriously. But I have to admit, I'm not too wild about our local Safeway either. |
Be careful, with your debit card
John H wrote:
On Friday, December 19, 2014 10:21:14 AM UTC-5, Let it snowe wrote: 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. Seriously. But I have to admit, I'm not too wild about our local Safeway either. I do not use my card at small shops for small purchases as I know what it cost the merchant per transaction. Friends own a donut shop. People want to use a card for a $2 purchase. She loses money on the deal. Costs $0.25-0.35 for a transaction charge. |
Be careful, with your debit card
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. I normally use a CC as I get rebates. But some gas stations here are a much better deal with cash or debit. 10 cents a gallon less. Other than the bank, is only place I use the debit card. Also with using my AMEX card at Lowes or HD I never need a receipt for returns. |
Be careful, with your debit card
On Fri, 19 Dec 2014 13:17:43 -0600, Califbill
wrote: 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. I normally use a CC as I get rebates. But some gas stations here are a much better deal with cash or debit. 10 cents a gallon less. Other than the bank, is only place I use the debit card. Also with using my AMEX card at Lowes or HD I never need a receipt for returns. I get 5% for gas/diesel at the pump. That normally runs about 15 cents, so the 'cash' guys don't get my business. |
Be careful, with your debit card
On Fri, 19 Dec 2014 13:17:43 -0600, Califbill
wrote: John H wrote: On Friday, December 19, 2014 10:21:14 AM UTC-5, Let it snowe wrote: 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. Seriously. But I have to admit, I'm not too wild about our local Safeway either. I do not use my card at small shops for small purchases as I know what it cost the merchant per transaction. Friends own a donut shop. People want to use a card for a $2 purchase. She loses money on the deal. Costs $0.25-0.35 for a transaction charge. That's understandable. I'd do the same thing. |
Be careful, with your debit card
On Friday, December 19, 2014 8:39:38 AM UTC-5, Keyser Söze wrote:
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.. Yours is ALWAYS better huh asswipe? **** YOU. |
Be careful, with your debit card
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 ****. |
Be careful, with your debit card
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? |
Be careful, with your debit card
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! |
Be careful, with your debit card
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...... |
Be careful, with your debit card
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. |
Be careful, with your debit card
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 |
Be careful, with your debit card
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. |
Be careful, with your debit card
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. |
Be careful, with your debit card
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. |
Be careful, with your debit card
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. |
Be careful, with your debit card
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..... |
Be careful, with your debit card
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. |
Be careful, with your debit card
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. |
Be careful, with your debit card
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. |
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