User Panel
User Panel
User Panel
|
Posted: 8/28/2015 7:51:05 PM EDT
[#1]
Quote HistoryQuoted:
Chip and Pin credit cards Coming soon. Some stores are already prepping the objective by going chip and signature. Quote HistoryQuoted:
Quoted:
Guys, two fails in the first two posts. Don't ever use YOUR MONEY (use a CC), and never use a PIN.  Chip and Pin credit cards Coming soon. Some stores are already prepping the objective by going chip and signature. Just used it for the first time in the U.S. this week (VA). I've been using the chip/pin for a couple years overseas... I am a big fan! Go out to dinner, ask for the check, they bring the check and card reader to the table, you insert your card and punch in your pin, voila! My card never leaves my possession |
|
|
|
Posted: 8/28/2015 7:51:36 PM EDT
[#2]
Quote HistoryQuoted:
People still use banks? 
95% of my money is not in banks. For this reason and about a dozen other reasons. Banana stands, eh |
|
|
|
Posted: 8/28/2015 7:57:04 PM EDT
[#3]
Get a card with MeV chip.
|
|
|
|
Posted: 8/28/2015 8:05:56 PM EDT
[#4]
Quote HistoryQuoted:
Depends on the bank. BOFA as hated as they are, made it right. Now we use all CC's Quote HistoryQuoted:
Quoted:
That is why I refuse to have a debit card. you have no protection. You would think people would learn.  Depends on the bank. BOFA as hated as they are, made it right. Now we use all CC's "Made it right" does not get the money back into a DC account NOW. With a CC it was the banks money from the start. |
|
|
|
Posted: 8/28/2015 8:07:08 PM EDT
[#5]
One word . . .
CASH 
|
|
|
|
Posted: 8/28/2015 8:17:41 PM EDT
[#6]
Quote HistoryQuoted:
"Made it right" does not get the money back into a DC account NOW. With a CC it was the banks money from the start. Quote HistoryQuoted:
Quoted:
Quoted:
That is why I refuse to have a debit card. you have no protection. You would think people would learn. Depends on the bank. BOFA as hated as they are, made it right. Now we use all CC's "Made it right" does not get the money back into a DC account NOW. With a CC it was the banks money from the start. They "temporarily" credited the account that day for the reported charges. as their investigation determined the which charges were actually fraudulent the credit went from temporary to permanent but I could have used the money at any time. I lost nothing but time |
|
|
|
Posted: 8/28/2015 9:28:01 PM EDT
[#7]
Quote HistoryQuoted:
I'll get my money back. I just need to buy groceries and gas sooner than my credit union will refund my money. Will the store be out the money ? Quote HistoryQuoted:
Quoted:
That sucks brother! I have learned after getting hacked twice to always pay inside at gas stations (never pay at pump using pin #) and to check my accounts every day just incase. Usually skimmers make a small purchase to test, then bam they get you! I'll get my money back. I just need to buy groceries and gas sooner than my credit union will refund my money. Will the store be out the money ? The bank will be, yet the industry won't upgrade their card scanners to use the embedded chips that the rest of the world have for years until October of this year. http://blogs.wsj.com/corporate-intelligence/2014/02/06/october-2015-the-end-of-the-swipe-and-sign-credit-card/ As others have said, use a credit card in the future. You can even get cash back on them. |
|
|
|
Posted: 8/28/2015 9:49:12 PM EDT
[#8]
Quote HistoryQuoted: That is why I refuse to have a debit card. you have no protection. You would think people would learn. |
|
|
|
Posted: 8/28/2015 9:53:00 PM EDT
[#9]
That sucks JB.
Got enough cash to see yourself through ? |
|
|
|
Posted: 8/30/2015 4:31:59 PM EDT
[#10]
If a Swedish e-store don't have a big sign on it that say "säker e-handel" you should stay away. All respectable stores use it, even the small ones.
|
|
|
|
Posted: 8/30/2015 4:40:15 PM EDT
[#11]
Quote HistoryQuoted:
They "temporarily" credited the account that day for the reported charges. as their investigation determined the which charges were actually fraudulent the credit went from temporary to permanent but I could have used the money at any time. I lost nothing but time Quote HistoryQuoted:
Quoted:
Quoted:
Quoted:
That is why I refuse to have a debit card. you have no protection. You would think people would learn. Depends on the bank. BOFA as hated as they are, made it right. Now we use all CC's "Made it right" does not get the money back into a DC account NOW. With a CC it was the banks money from the start. They "temporarily" credited the account that day for the reported charges. as their investigation determined the which charges were actually fraudulent the credit went from temporary to permanent but I could have used the money at any time. I lost nothing but time BoA did the same with me, twice. I was never out a dime. |
|
|
|
Posted: 8/30/2015 4:50:51 PM EDT
[#12]
Quote HistoryQuoted:
If a Swedish e-store don't have a big sign on it that say "säker e-handel" you should stay away. All respectable stores use it, even the small ones. I stayed away from all the Swedish stores. This one's clothes seems to run a bit on the effete side. Have you ever heard of this business or been near one of their locations? What's "säker e-handel"? |
|
|
|
Posted: 8/30/2015 7:31:25 PM EDT
[#13]
Quote HistoryQuoted:
I stayed away from all the Swedish stores. This one's clothes seems to run a bit on the effete side. Have you ever heard of this business or been near one of their locations? What's "säker e-handel"? Quote HistoryQuoted:
Quoted:
If a Swedish e-store don't have a big sign on it that say "säker e-handel" you should stay away. All respectable stores use it, even the small ones. I stayed away from all the Swedish stores. This one's clothes seems to run a bit on the effete side. Have you ever heard of this business or been near one of their locations? What's "säker e-handel"? I have not heared of it. Realized I wrote "Säker" instead of "Trygg". "Trygg e-handel" is a certification that ensures that trade with the store is safe for the buyer. This means that there is good protection for payments, that you can get help everytime etc. In other words, you pay without risking getting hacked, get your stuff when you are supposed to in the condition agreed on, if you don't you will get help within 48 and so on. |
|
|
|
Posted: 8/30/2015 7:35:05 PM EDT
[#14]
Quote HistoryQuoted: Banana stands, eh Quote HistoryQuoted: Quoted: People still use banks? 95% of my money is not in banks. For this reason and about a dozen other reasons. Banana stands, eh |
|
|
|
Posted: 8/30/2015 7:40:07 PM EDT
[#15]
Quote HistoryQuoted:
Funny, I was going to order more silver and a Jerry can with this check. I have a full Jerry can to top off my tank. Eventually I'll have six or more cans, but one will cover this problem. The food will be covered, too. Quote HistoryQuoted:
Quoted:
Quoted:
Quoted:
That sucks brother! I have learned after getting hacked twice to always pay inside at gas stations (never pay at pump using pin #) and to check my accounts every day just incase. Usually skimmers make a small purchase to test, then bam they get you! I'll get my money back. I just need to buy groceries and gas sooner than my credit union will refund my money. Will the store be out the money ? Do you have any silver or gold stashed away? You should be able to gas and groceries with that Funny, I was going to order more silver and a Jerry can with this check. I have a full Jerry can to top off my tank. Eventually I'll have six or more cans, but one will cover this problem. The food will be covered, too. Wise thinking. Sorry to hear about that theft. I'm glad I don't use debit cards and keep only credit cards. BTW, I just sent a British made jerrycan back to Deustch Optiks. The cap didn't cover the spout so it didn't seal and gas sloshed out of it. It was useless as a fuel container and D.O. told me they'd replace it and refund my postage. Sent it back last week. |
|
|
|
Posted: 8/30/2015 7:40:11 PM EDT
[#16]
Quoted:
Apparently someone bought a big pile of clothes on my dime today. A few assholes got busted today with some skimmers after making a purchase with a phony credit card at a grocery store. I'll call the arresting agency. Maybe they're linked. The store that took my money is in Sweden and is unique enough that if it's in their browser they're fucked. http://hope-sthlm.com/ |
|
|
|
Posted: 8/30/2015 7:41:43 PM EDT
[#17]
Quote HistoryQuoted:
Not true at all. Still, much less hassle to deal with fraud on a credit card, and why I don't use a debit card pretty much ever. Quote HistoryQuoted:
Quoted:
That is why I refuse to have a debit card. you have no protection. You would think people would learn. |
|
|
|
Posted: 8/30/2015 7:54:45 PM EDT
[#18]
Quote HistoryQuoted:
I got hit with a debit card, just one phone call cleared it up Quote HistoryQuoted:
Quoted:
Quoted:
That is why I refuse to have a debit card. you have no protection. You would think people would learn. I've been hit like 3 times, always get a call right away and it's taken care of. |
|
|
|
Posted: 8/30/2015 8:00:20 PM EDT
[#19]
Quote HistoryQuoted:
Just call the CC card co, You have to get a notarized affidavit, they send you a new card. The merchant will be stuck with the bill, the burden of proof is on them. I have been hit about 25 times already Quote HistoryQuoted:
Quoted:
Apparently someone bought a big pile of clothes on my dime today. A few assholes got busted today with some skimmers after making a purchase with a phony credit card at a grocery store. I'll call the arresting agency. Maybe they're linked. The store that took my money is in Sweden and is unique enough that if it's in their browser they're fucked. http://hope-sthlm.com/ 25 times???!!! What the fuck are you doing? I've never been compromised, , and all I use is my debit card. As far as gas stations, and skimmers look for the pumps that have the security tape. If it's broken don't use the pump. |
|
|
|
Posted: 8/30/2015 8:02:34 PM EDT
[#20]
One of the reasons I prefer credit cards to debit card for everyday purchase. Much better fraud protection with credit.
Sorry to hear about it OP. |
|
|
|
Posted: 8/30/2015 8:05:40 PM EDT
[#21]
I started a lifelock account tonight and found out bunch of crap is being used in my name....
So far just attempts and an 111 dollar success... Capital one has treated me well fixing this shit. |
|
|
|
Posted: 8/30/2015 9:36:35 PM EDT
[#22]
Quote HistoryQuoted:
25 times???!!! What the fuck are you doing? I've never been compromised, , and all I use is my debit card. As far as gas stations, and skimmers look for the pumps that have the security tape. If it's broken don't use the pump. Quote HistoryQuoted:
Quoted:
Quoted:
Apparently someone bought a big pile of clothes on my dime today. A few assholes got busted today with some skimmers after making a purchase with a phony credit card at a grocery store. I'll call the arresting agency. Maybe they're linked. The store that took my money is in Sweden and is unique enough that if it's in their browser they're fucked. http://hope-sthlm.com/ 25 times???!!! What the fuck are you doing? I've never been compromised, , and all I use is my debit card. As far as gas stations, and skimmers look for the pumps that have the security tape. If it's broken don't use the pump. |
|
|
|
Posted: 8/30/2015 9:38:45 PM EDT
[#23]
Credit card and banks really don't care, I am sure the theft is in the 10's of billions
|
|
|
|
Posted: 8/30/2015 9:41:34 PM EDT
[#24]
Quote HistoryQuoted:
No, not likely. The CC company usually gets to eat these. Quote HistoryQuoted:
Quoted:
Quoted:
That sucks brother! I have learned after getting hacked twice to always pay inside at gas stations (never pay at pump using pin #) and to check my accounts every day just incase. Usually skimmers make a small purchase to test, then bam they get you! I'll get my money back. I just need to buy groceries and gas sooner than my credit union will refund my money. Will the store be out the money ? No, not likely. The CC company usually gets to eat these. NO the business eats it ALL That is why the CC companies don't really care about the fraud |
|
|
|
Posted: 8/30/2015 9:41:45 PM EDT
[#25]
I hate those UPS and FEDEX signatures that I always imagine your signature is broadcast. If I feel a merchant is shady I will pay them with a money order. Since they went to the new CC's I have not been hit yet
|
|
|
|
Posted: 8/30/2015 9:42:53 PM EDT
[#26]
Quote HistoryQuoted:
NO the business eats it ALL That is why the CC companies don't really care about the fraud Quote HistoryQuoted:
Quoted:
Quoted:
Quoted:
That sucks brother! I have learned after getting hacked twice to always pay inside at gas stations (never pay at pump using pin #) and to check my accounts every day just incase. Usually skimmers make a small purchase to test, then bam they get you! I'll get my money back. I just need to buy groceries and gas sooner than my credit union will refund my money. Will the store be out the money ? No, not likely. The CC company usually gets to eat these. NO the business eats it ALL That is why the CC companies don't really care about the fraud |
|
|
|
Posted: 8/30/2015 9:43:41 PM EDT
[#27]
Quote HistoryQuoted:
25 times???!!! What the fuck are you doing? I've never been compromised, , and all I use is my debit card. As far as gas stations, and skimmers look for the pumps that have the security tape. If it's broken don't use the pump. Quote HistoryQuoted:
Quoted:
Quoted:
Apparently someone bought a big pile of clothes on my dime today. A few assholes got busted today with some skimmers after making a purchase with a phony credit card at a grocery store. I'll call the arresting agency. Maybe they're linked. The store that took my money is in Sweden and is unique enough that if it's in their browser they're fucked. http://hope-sthlm.com/ 25 times???!!! What the fuck are you doing? I've never been compromised, , and all I use is my debit card. As far as gas stations, and skimmers look for the pumps that have the security tape. If it's broken don't use the pump. Even if not broken could still be compromised. 25 times is not unheard of, esp when a random number generator is used. I've had a number jacked and the CC had one sent to me before I knew it was hit. |
|
|
|
Posted: 8/30/2015 9:44:44 PM EDT
[#28]
Quote HistoryQuoted: I started a lifelock account tonight and found out bunch of crap is being used in my name.... So far just attempts and an 111 dollar success... Capital one has treated me well fixing this shit. |
|
|
|
Posted: 8/30/2015 9:46:56 PM EDT
[#29]
Quote HistoryQuoted:
One word . . . CASH Which 1-800 number do I call to get my money back when my cash gets stolen? |
|
|
|
Posted: 8/30/2015 9:47:35 PM EDT
[#30]
Quoted:
Apparently someone bought a big pile of clothes on my dime today. A few assholes got busted today with some skimmers after making a purchase with a phony credit card at a grocery store. I'll call the arresting agency. Maybe they're linked. The store that took my money is in Sweden and is unique enough that if it's in their browser they're fucked. http://hope-sthlm.com/ You should get your money back if you caught it this fast |
|
|
|
Posted: 8/30/2015 9:49:11 PM EDT
[#31]
Quote HistoryQuoted:
Which 1-800 number do I call to get my money back when my cash gets stolen? Quote HistoryQuoted:
Quoted:
One word . . . CASH Which 1-800 number do I call to get my money back when my cash gets stolen? 1-800-PEGGY |
|
|
|
Posted: 8/30/2015 9:50:05 PM EDT
[#32]
Quote HistoryQuoted:
When the CC'Co's dispute a charge the burden is on the merchant to prove Quote HistoryQuoted:
Quoted:
Quoted:
Quoted:
Quoted:
That sucks brother! I have learned after getting hacked twice to always pay inside at gas stations (never pay at pump using pin #) and to check my accounts every day just incase. Usually skimmers make a small purchase to test, then bam they get you! I'll get my money back. I just need to buy groceries and gas sooner than my credit union will refund my money. Will the store be out the money ? No, not likely. The CC company usually gets to eat these. NO the business eats it ALL That is why the CC companies don't really care about the fraud Yes, and 99% of the time the CC co side with THEIR customer, the card holder. |
|
|
|
Posted: 8/30/2015 10:16:44 PM EDT
[#33]
Quote HistoryQuoted:
One word . . . CASH You are giving up money/benefits if you are using cash. I use credit cards for everything I can. |
|
|
|
Posted: 8/30/2015 10:34:55 PM EDT
[#34]
Quote HistoryQuoted:
One of the reasons I prefer credit cards to debit card for everyday purchase. Much better fraud protection with credit. Sorry to hear about it OP. It is the blanks money at risk. They tend to be a little more attentive. |
|
|
|
Posted: 8/30/2015 10:48:55 PM EDT
[#35]
Quote HistoryQuoted: When, if ever is. Debit appropriate? |
|
|
|
Posted: 8/30/2015 10:49:43 PM EDT
[#36]
Quote HistoryQuoted: One word . . . CASH |
|
|
|
Posted: 9/1/2015 4:41:30 PM EDT
[#37]
Fucking credit union.
 My money went from being on hold to the actual store's account some time overnight, meaning I could finally dispute the charge. Every other credit union and most banks would reimburse my money immediately and bill me for it later if I lost the dispute. My institution told me it won't be returned to me for up to fifteen days while they investigate it. Fuck, I have shit to do with my money before then!
|
|
|
|
Posted: 9/1/2015 5:22:34 PM EDT
[#38]
I don't know why people still use debit cards.
|
|
|
|
Posted: 9/1/2015 5:36:06 PM EDT
[#39]
Quote HistoryQuoted:
I don't know why people still use debit cards. I have a brain injury and NEED the money out of my account as soon as I buy something. It is better discipline for me, with a memory impairment, to never spend money I do not have. Credit cards are evil. |
|
|
|
Posted: 9/1/2015 5:44:43 PM EDT
[#40]
Sucks man
 That's why I keep money on hand, can happen to anyone at any time.
|
|
|
|
Posted: 9/1/2015 5:58:02 PM EDT
[#41]
Quote HistoryNothing like spending $62.5K to pay back $10K |
|
|
|
Posted: 9/1/2015 6:37:45 PM EDT
[#42]
Quote HistoryQuoted: I have a brain injury and NEED the money out of my account as soon as I buy something. It is better discipline for me, with a memory impairment, to never spend money I do not have. Credit cards are evil. Quote HistoryQuoted: Quoted: I don't know why people still use debit cards. I have a brain injury and NEED the money out of my account as soon as I buy something. It is better discipline for me, with a memory impairment, to never spend money I do not have. Credit cards are evil. |
|
|
|
Posted: 9/1/2015 6:45:33 PM EDT
[#43]
Quote HistoryQuoted:
Indeed. Quote HistoryQuoted:
Quoted:
If you need to continue to live in our society I recommend three accounts at your S&L or bank. 1. Credit card account with enough money 2. The overdraft account with the minimum amount. 3. Savings NOT linked to the first two. Indeed. I do this but also carry cash for the day to day. |
|
|
|
Posted: 9/1/2015 7:12:39 PM EDT
[#44]
Quote HistoryQuoted:
Cash. Quote HistoryQuoted:
Quoted:
Quoted:
I don't know why people still use debit cards. I have a brain injury and NEED the money out of my account as soon as I buy something. It is better discipline for me, with a memory impairment, to never spend money I do not have. Credit cards are evil. Too much opportunity to spend. With a debit card I can see where I spent it, and I've been far less impulsive. I spent too many years being broke and only having a vague recollection of where the money went. Those Cokes, gun mags, and othe random crap was killing me. Cash on hand is bad for me. |
|
|
|
Posted: 9/1/2015 7:20:28 PM EDT
[#45]
Quote HistoryQuoted:
Too much opportunity to spend. With a debit card I can see where I spent it, and I've been far less impulsive. I spent too many years being broke and only having a vague recollection of where the money went. Those Cokes, gun mags, and othe random crap was killing me. Cash on hand is bad for me. Quote HistoryQuoted:
Quoted:
Quoted:
Quoted:
I don't know why people still use debit cards. I have a brain injury and NEED the money out of my account as soon as I buy something. It is better discipline for me, with a memory impairment, to never spend money I do not have. Credit cards are evil. Too much opportunity to spend. With a debit card I can see where I spent it, and I've been far less impulsive. I spent too many years being broke and only having a vague recollection of where the money went. Those Cokes, gun mags, and othe random crap was killing me. Cash on hand is bad for me. And cash is easy to lose with no way of getting it back |
|
|
|
Posted: 9/2/2015 12:08:29 AM EDT
[#46]
Quote HistoryQuoted:
Too much opportunity to spend. With a debit card I can see where I spent it, and I've been far less impulsive. I spent too many years being broke and only having a vague recollection of where the money went. Those Cokes, gun mags, and othe random crap was killing me. Cash on hand is bad for me. Quote HistoryQuoted:
Quoted:
Quoted:
Quoted:
I don't know why people still use debit cards. I have a brain injury and NEED the money out of my account as soon as I buy something. It is better discipline for me, with a memory impairment, to never spend money I do not have. Credit cards are evil. Too much opportunity to spend. With a debit card I can see where I spent it, and I've been far less impulsive. I spent too many years being broke and only having a vague recollection of where the money went. Those Cokes, gun mags, and othe random crap was killing me. Cash on hand is bad for me. Primary and secondary accounts? Primary, rent or mortgage, maybe groceries. Secondary for the rest of the world? |
|
|
|
Posted: 9/2/2015 12:32:21 AM EDT
[#47]
Quote HistoryQuoted:
Guys, two fails in the first two posts. Don't ever use YOUR MONEY (use a CC), and never use a PIN. Nailed it |
|
|
|
Posted: 9/2/2015 12:41:47 AM EDT
[#48]
Quote HistoryQuoted:
Do you have any silver or gold stashed away? You should be able to gas and groceries with that Quote HistoryQuoted:
Quoted:
Quoted:
That sucks brother! I have learned after getting hacked twice to always pay inside at gas stations (never pay at pump using pin #) and to check my accounts every day just incase. Usually skimmers make a small purchase to test, then bam they get you! I'll get my money back. I just need to buy groceries and gas sooner than my credit union will refund my money. Will the store be out the money ? Do you have any silver or gold stashed away? You should be able to gas and groceries with that
|
|
|
|
Posted: 9/2/2015 4:52:45 PM EDT
[#49]
Quote HistoryQuoted:
Quote HistoryQuoted:
Quoted:
Quoted:
Quoted:
That sucks brother! I have learned after getting hacked twice to always pay inside at gas stations (never pay at pump using pin #) and to check my accounts every day just incase. Usually skimmers make a small purchase to test, then bam they get you! I'll get my money back. I just need to buy groceries and gas sooner than my credit union will refund my money. Will the store be out the money ? Do you have any silver or gold stashed away? You should be able to gas and groceries with that 3oz. I was going to get serious about buying more with this check, but my Irishman's luck kicked in. (Nothing will kill me, but something always happens to keep me from getting ahead.) On the other hand, the woman at the bank is super cute and very friendly. Just to stalk see her I should get my card hijacked more often! 
|
|
|
Win a FREE Membership!
Sign up for the ARFCOM weekly newsletter and be entered to win a free ARFCOM membership. One new winner* is announced every week!
You will receive an email every Friday morning featuring the latest chatter from the hottest topics, breaking news surrounding legislation, as well as exclusive deals only available to ARFCOM email subscribers.
AR15.COM is the world's largest firearm community and is a gathering place for firearm enthusiasts of all types.
From hunters and military members, to competition shooters and general firearm enthusiasts, we welcome anyone who values and respects the way of the firearm.
Subscribe to our monthly Newsletter to receive firearm news, product discounts from your favorite Industry Partners, and more.
Copyright © 1996-2024 AR15.COM LLC. All Rights Reserved.
Any use of this content without express written consent is prohibited.
AR15.Com reserves the right to overwrite or replace any affiliate, commercial, or monetizable links, posted by users, with our own.
