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Link Posted: 8/28/2015 7:51:05 PM EDT
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Originally Posted By FDC:



Chip and Pin credit cards

Coming soon.

Some stores are already prepping the objective by going chip and signature.
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Originally Posted By FDC:
Originally Posted By JoseCuervo:
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
Link Posted: 8/28/2015 7:51:36 PM EDT
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Originally Posted By georgiagun:
People still use banks?



95% of my money is not in banks. For this reason and about a dozen other reasons.

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Banana stands, eh
Link Posted: 8/28/2015 7:57:04 PM EDT
Get a card with MeV chip.
Link Posted: 8/28/2015 8:05:56 PM EDT
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Originally Posted By Star_Scream:



Depends on the bank.

BOFA as hated as they are, made it right.

Now we use all CC's
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Originally Posted By Star_Scream:
Originally Posted By Fairplay:
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.
Link Posted: 8/28/2015 8:07:08 PM EDT
One word  .  .  .

CASH


Link Posted: 8/28/2015 8:17:41 PM EDT
Discussion ForumsJump to Quoted PostQuote History
Originally Posted By brickeyee:


"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.
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Originally Posted By brickeyee:
Originally Posted By Star_Scream:
Originally Posted By Fairplay:
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
Link Posted: 8/28/2015 9:28:01 PM EDT
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Originally Posted By JellyBelly:

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 ?
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Originally Posted By JellyBelly:
Originally Posted By AmericanCheese:
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.
Link Posted: 8/28/2015 9:49:12 PM EDT

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Originally Posted By Fairplay:


That is why I refuse to have a debit card. you have no protection. You would think people would learn.
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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.

 
Link Posted: 8/28/2015 9:53:00 PM EDT
That sucks JB.

Got enough cash to see yourself through ?
Link Posted: 8/30/2015 4:31:59 PM EDT
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.
Link Posted: 8/30/2015 4:40:15 PM EDT
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Originally Posted By Star_Scream:



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
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Originally Posted By Star_Scream:
Originally Posted By brickeyee:
Originally Posted By Star_Scream:
Originally Posted By Fairplay:
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.
Link Posted: 8/30/2015 4:50:51 PM EDT
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Originally Posted By Askulv:
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.
View Quote

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"?
Link Posted: 8/30/2015 7:31:25 PM EDT
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Originally Posted By JellyBelly:

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"?
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Originally Posted By JellyBelly:
Originally Posted By Askulv:
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.

Link Posted: 8/30/2015 7:35:05 PM EDT

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Originally Posted By KalihiJack:
Banana stands, eh
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Originally Posted By KalihiJack:



Originally Posted By georgiagun:

People still use banks?







95% of my money is not in banks. For this reason and about a dozen other reasons.









Banana stands, eh
There is always money in the banana stand.

 
Link Posted: 8/30/2015 7:40:07 PM EDT
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Originally Posted By JellyBelly:

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.

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Originally Posted By JellyBelly:
Originally Posted By Dustrod:
Originally Posted By JellyBelly:
Originally Posted By AmericanCheese:
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.
Link Posted: 8/30/2015 7:40:11 PM EDT
Originally Posted By JellyBelly:
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/
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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
Link Posted: 8/30/2015 7:41:43 PM EDT
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Originally Posted By jeremy223:
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.  
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Originally Posted By jeremy223:
Originally Posted By Fairplay:
That is why I refuse to have a debit card. you have no protection. You would think people would learn.
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.  
I got hit with a debit card, just one phone call cleared it up
Link Posted: 8/30/2015 7:54:45 PM EDT
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Originally Posted By cobra-ak:
I got hit with a debit card, just one phone call cleared it up
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Originally Posted By cobra-ak:
Originally Posted By jeremy223:
Originally Posted By Fairplay:
That is why I refuse to have a debit card. you have no protection. You would think people would learn.
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.  
I got hit with a debit card, just one phone call cleared it up

I've been hit like 3 times, always get a call right away and it's taken care of.
Link Posted: 8/30/2015 8:00:20 PM EDT
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Originally Posted By cobra-ak:
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
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Originally Posted By cobra-ak:
Originally Posted By JellyBelly:
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/
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



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.






Link Posted: 8/30/2015 8:02:34 PM EDT
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.
Link Posted: 8/30/2015 8:05:40 PM EDT
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.
Link Posted: 8/30/2015 9:36:35 PM EDT
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Originally Posted By dbmers:



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.






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Originally Posted By dbmers:
Originally Posted By cobra-ak:
Originally Posted By JellyBelly:
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/
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



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.






I always check my CC and my Debit card. I got hit for a wedding about $25K, LOL. I can say employees of merchants can sometimes record your name, CC and Debit Number, and sell them to 3rd parties far from where they stole it
Link Posted: 8/30/2015 9:38:45 PM EDT
Credit card and banks really don't care, I am sure the theft is in the 10's of billions
Link Posted: 8/30/2015 9:41:34 PM EDT
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Originally Posted By dskeet:

No, not likely.  The CC company usually gets to eat these.
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Originally Posted By dskeet:
Originally Posted By JellyBelly:
Originally Posted By AmericanCheese:
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
Link Posted: 8/30/2015 9:41:45 PM EDT
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
Link Posted: 8/30/2015 9:42:53 PM EDT
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Originally Posted By toothandnail:


NO the business eats it ALL

That is why the CC companies don't really care about the fraud
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Originally Posted By toothandnail:
Originally Posted By dskeet:
Originally Posted By JellyBelly:
Originally Posted By AmericanCheese:
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
When the CC'Co's dispute a charge the burden is on the merchant to prove
Link Posted: 8/30/2015 9:43:41 PM EDT
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Originally Posted By dbmers:



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.




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Originally Posted By dbmers:
Originally Posted By cobra-ak:
Originally Posted By JellyBelly:
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/
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



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.
Link Posted: 8/30/2015 9:44:44 PM EDT

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Originally Posted By joshiedoom:


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.
View Quote
Waste of money

 
Link Posted: 8/30/2015 9:46:56 PM EDT
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Originally Posted By dropdbombnow:
One word  .  .  .

CASH


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Which 1-800 number do I call to get my money back when my cash gets stolen?
Link Posted: 8/30/2015 9:47:35 PM EDT
Originally Posted By JellyBelly:
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/
View Quote



You should get your money back if you caught it this fast
Link Posted: 8/30/2015 9:49:11 PM EDT
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Originally Posted By Osirus23:


Which 1-800 number do I call to get my money back when my cash gets stolen?
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Originally Posted By Osirus23:
Originally Posted By dropdbombnow:
One word  .  .  .

CASH




Which 1-800 number do I call to get my money back when my cash gets stolen?



1-800-PEGGY
Link Posted: 8/30/2015 9:50:05 PM EDT
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Originally Posted By cobra-ak:
When the CC'Co's dispute a charge the burden is on the merchant to prove
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Originally Posted By cobra-ak:
Originally Posted By toothandnail:
Originally Posted By dskeet:
Originally Posted By JellyBelly:
Originally Posted By AmericanCheese:
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
When the CC'Co's dispute a charge the burden is on the merchant to prove


Yes, and 99% of the time the CC co side with THEIR customer, the card holder.
Link Posted: 8/30/2015 10:16:44 PM EDT
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Originally Posted By dropdbombnow:
One word  .  .  .

CASH


View Quote



You are giving up money/benefits if you are using cash.  I use credit cards for everything I can.
Link Posted: 8/30/2015 10:34:55 PM EDT
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Originally Posted By Demosthenes99:
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.
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It is the blanks money at risk.
They tend to be a little more attentive.
Link Posted: 8/30/2015 10:48:55 PM EDT

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Originally Posted By midwinter:


When, if ever is. Debit appropriate?
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Credit cards suck for taking out cash.  You want a debit card for that.



 
Link Posted: 8/30/2015 10:49:43 PM EDT

Discussion ForumsJump to Quoted PostQuote History
Originally Posted By dropdbombnow:


One word  .  .  .




CASH
View Quote






 
Link Posted: 9/1/2015 4:41:30 PM EDT
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!
Link Posted: 9/1/2015 5:22:34 PM EDT
I don't know why people still use debit cards.
Link Posted: 9/1/2015 5:36:06 PM EDT
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Originally Posted By bookertbab:
I don't know why people still use debit cards.
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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.
Link Posted: 9/1/2015 5:44:43 PM EDT
Sucks man That's why I keep money on hand, can happen to anyone at any time.
Link Posted: 9/1/2015 5:58:02 PM EDT

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Originally Posted By macaho45:


http://consumermediallc.files.wordpress.com/2013/08/westernsky.png
She'll front you some cash
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Nothing like spending $62.5K to pay back $10K
Link Posted: 9/1/2015 6:37:45 PM EDT

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Originally Posted By JellyBelly:





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.
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Originally Posted By JellyBelly:



Originally Posted By bookertbab:

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.
Cash.

 
Link Posted: 9/1/2015 6:45:33 PM EDT
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Originally Posted By KalihiJack:



Indeed.
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Originally Posted By KalihiJack:
Originally Posted By Paul:
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.
Link Posted: 9/1/2015 7:12:39 PM EDT
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Originally Posted By bookertbab:
Cash.  
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Originally Posted By bookertbab:
Originally Posted By JellyBelly:
Originally Posted By bookertbab:
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.
Cash.  

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.
Link Posted: 9/1/2015 7:20:28 PM EDT
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Originally Posted By JellyBelly:

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.
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Originally Posted By JellyBelly:
Originally Posted By bookertbab:
Originally Posted By JellyBelly:
Originally Posted By bookertbab:
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.
Cash.  

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
Link Posted: 9/2/2015 12:08:29 AM EDT
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Originally Posted By JellyBelly:

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.
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Originally Posted By JellyBelly:
Originally Posted By bookertbab:
Originally Posted By JellyBelly:
Originally Posted By bookertbab:
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.
Cash.  

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?
Link Posted: 9/2/2015 12:32:21 AM EDT
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Originally Posted By JoseCuervo:
Guys, two fails in the first two posts. Don't ever use YOUR MONEY (use a CC), and never use a PIN.  

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Nailed it
Link Posted: 9/2/2015 12:41:47 AM EDT
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Originally Posted By Dustrod:



Do you have any silver or gold stashed away? You should be able to gas and groceries with that
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Originally Posted By Dustrod:
Originally Posted By JellyBelly:
Originally Posted By AmericanCheese:
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

Link Posted: 9/2/2015 4:52:45 PM EDT
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Originally Posted By ziarifleman:

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Originally Posted By ziarifleman:
Originally Posted By Dustrod:
Originally Posted By JellyBelly:
Originally Posted By AmericanCheese:
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!
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