Posted: 12/11/2015 9:14:37 PM EDT
|
I have been using my debit card a lot this month. I check my balances all the time, tonight a charge for $1.87 , then a minute later they put the $1.87 back I call my banks security fraud division, yep the $1.87 was a verifying test followed by 2 separate attempts at large amounts. The 1st one was $511.43 from a google wallet ? The 2nd was also google wallet for a lessor amount , $423.47 My bank caught both of them Bad part is now they killed my bank card and are sending a new one I have 3 other accounts linked to this one so I can transfer to those accounts and use those debit cards if need be.. I hate thieves I wonder if it was that chinese restaurant I went to yesterday, skimmed my card? |
|
Quoted: Stop using the debit card. Mine is linked to an account that never has more than $200 in it so I can still get some cash if needed but if stolen I'm not screwed. Quoted: Quoted: Stop having a debit card. Stop using the debit card. Mine is linked to an account that never has more than $200 in it so I can still get some cash if needed but if stolen I'm not screwed. If some thief gets into your account or uses your CC debit card # you lose nothing.
|
|
Quoted:
Stop using the debit card. Mine is linked to an account that never has more than $200 in it so I can still get some cash if needed but if stolen I'm not screwed. Quoted:
Quoted:
Stop having a debit card. Stop using the debit card. Mine is linked to an account that never has more than $200 in it so I can still get some cash if needed but if stolen I'm not screwed. +1 This. My debit card is a shopping/online card with enough to do the immediate buying needed, not a direct line to my checking/savings account. |
|
Quoted:
I'm not screwed either, my bank like all banks eats it when it comes to fraud.If some thief gets into your account or uses your CC debit card # you lose nothing. Quoted:
Quoted:
Quoted:
Stop having a debit card. Stop using the debit card. Mine is linked to an account that never has more than $200 in it so I can still get some cash if needed but if stolen I'm not screwed. True, but the difference is that when your CC gets misused, no money gets taken from your bank account. When your Debit Card gets misused, you lose that money until you can get the situation resolved. |
|
Quoted:
I'm not screwed either, my bank like all banks eats it when it comes to fraud.If some thief gets into your account or uses your CC debit card # you lose nothing. Quoted:
Quoted:
Quoted:
Stop having a debit card. Stop using the debit card. Mine is linked to an account that never has more than $200 in it so I can still get some cash if needed but if stolen I'm not screwed. If you did what we're suggesting, the fraudsters would get nothing for their efforts. |
|
Quoted:
I only use my debit card in stores I trust and really hate the fact that you can't get a debit only card anymore. They could clean out your bank account. The big advantage of credit cards is that it's not your money they're spending. I have a ATM card. |
|
Money is returned immediately after you notify Visa/bank, not days later. Quoted: Would you consider having no money in the bank for a few days to be a liability? Quoted: Quoted: Visa® debit card has zero liability just like their credit card. Would you consider having no money in the bank for a few days to be a liability? |
|
Quoted:
Money is returned immediately after you notify Visa/bank, not days later. Quoted:
Money is returned immediately after you notify Visa/bank, not days later. Quoted:
Quoted:
Visa® debit card has zero liability just like their credit card. Would you consider having no money in the bank for a few days to be a liability? Which means it depends on how quickly you notice it. Which could be days later. |
|
Quoted:
Stop using the debit card. Mine is linked to an account that never has more than $200 in it so I can still get some cash if needed but if stolen I'm not screwed. Quoted:
Quoted:
Stop having a debit card. Stop using the debit card. Mine is linked to an account that never has more than $200 in it so I can still get some cash if needed but if stolen I'm not screwed. So much this. It's my decoy acct. |
|
Quoted:
Which means it depends on how quickly you notice it. Which could be days later. Quoted:
Quoted:
Money is returned immediately after you notify Visa/bank, not days later. Quoted:
Quoted:
Visa® debit card has zero liability just like their credit card. Would you consider having no money in the bank for a few days to be a liability? Which means it depends on how quickly you notice it. Which could be days later. And after your mortgage payment autopay fails. 
https://usa.visa.com/support/consumer/security.html#3 |
|
Quoted: True, but the difference is that when your CC gets misused, no money gets taken from your bank account. When your Debit Card gets misused, you lose that money until you can get the situation resolved. Quoted: Quoted: Quoted: Quoted: Stop having a debit card. Stop using the debit card. Mine is linked to an account that never has more than $200 in it so I can still get some cash if needed but if stolen I'm not screwed. True, but the difference is that when your CC gets misused, no money gets taken from your bank account. When your Debit Card gets misused, you lose that money until you can get the situation resolved. |
|
hourQuoted: I only use my debit card in stores I trust and really hate the fact that you can't get a debit only card anymore. They could clean out your bank account. The big advantage of credit cards is that it's not your money they're spending. I can move money form that account or into it, there was 12k in there yesterday, I paid vendors and in a 1/2 hour that account had a 100.00 $bucks in it |
|
Ugh. I hate thieves. My eBay account was hacked many years ago and some asshole in China thought it'd be nice to order thousands of dollars worth of stuff. Thankfully eBay recognized what happened and I didn't lose any money. I don't know how it happened but I assume it was probably a phishing e-mail I fell for.
My bank had a skimming problem a couple months ago. The thieves hit two ATMs and of course, mine happened to be one of them. Again, though, the bank caught it quickly and I didn't lose anything (even if they had, my bank would have reimbursed me) but they cancelled my debit card and issued a new one. Thieves suck. |
|
Quoted: No I don't, wells fargo puts it back in 20 minutes, plus they caught every attept so far , about 10 or 12 times in the last 5 years Quoted: Quoted: Quoted: Quoted: Quoted: Stop having a debit card. Stop using the debit card. Mine is linked to an account that never has more than $200 in it so I can still get some cash if needed but if stolen I'm not screwed. True, but the difference is that when your CC gets misused, no money gets taken from your bank account. When your Debit Card gets misused, you lose that money until you can get the situation resolved. |