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Posted: 10/24/2016 11:36:59 PM EDT
Went to buy groceries and card was declined. Just got paid so I knew I had money. Came home and called credit card company. Found out yesterday someone in Miami took out 3 $200 withdrawals at a Sunoco. So I opened a dispute and it's gonna take about 7-10 to get my money back Yay!
I knew it was just a matter of time, but they were "nice" enough to leave me $64. 
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Posted: 10/24/2016 11:38:50 PM EDT
[#1]
You mentioned just getting paid, but then mention credit card company. Debit card, correct?
ETA: Never use a debit card. Get an ATM only card if you need to be able to access funds from an ATM. Credit cards for the win. Sorry to hear about your trouble. |
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Posted: 10/24/2016 11:41:28 PM EDT
[#2]
Debit card?
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Posted: 10/24/2016 11:43:52 PM EDT
[#3]
You're with the wrong bank if they don't credit your account immediately...
Debit card is all I use. |
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Posted: 10/24/2016 11:45:04 PM EDT
[#4]
I use my debit card as an atm card only. It never hits the net.
And I still recommend two separate bank accounts with a debit card, cause no one just issues an atm card anymore. And then you may as well have a couple actual credit cards cause using them will wind up having one compromised. I like when a new one I have not set up yet gets hacked. Have not set it up. Have not called to activate it and have not emailed to activate it, it is in its envelope waiting for me to activate it. And it with its new number and what not gets hacked. Yeah, may as well have 3 real credit cards once that starts happening. Amazon gave me 50 bucks to get their card, so I admit to being cheap. Got some other cards that give money for places I normally order from as well. I will admit that the debit card used as an atm only card is actually cruising along pretty well, but that means it will get hacked shortly. So two different bank accounts using different banks, and I am not talking a little bank owned by a bigger bank and those are the two you use. 2 totally separate banks or credit unions. And yeah I resemble my 3 different credit cards remarks but one is off one of those banks cause it is my earliest card. Just my opinion on how I do things these days. I order a lot of stuff off the net since I live rural and I am not going to wait for a card to show up for me to have freedom to buy odds and ends. |
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Posted: 10/24/2016 11:50:27 PM EDT
[#5]
I don't what to really call it, my paycheck goes directly to the card. Debit I guess, a Mastercard.
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Posted: 10/24/2016 11:50:50 PM EDT
[#6]
If they are any good they will give you your money back right now and send you a new card.
My cabelas credit card info got stolen twice. SUPER easy to deal with. Call cabelas up, say my info was stolen, I didnt buy X, X, or X. They say, ok we'll cancel your card, refund your money and get a new card with new info mailed to you. |
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Posted: 10/24/2016 11:54:09 PM EDT
[#7]
I only use credit cards. I don't keep my debit cards on me. Have a credit card with just about everyone but American Express. So I have Visa, Mastercard and discover covered for places that take them. Anyone else I can use cash.
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Posted: 10/24/2016 11:54:33 PM EDT
[#8]
If you use a debit card and it gets hacked, you're arguing about getting your money back that's already gone. If your credit card gets hacked, you're arguing about whether you're going to pay them the money in the future. BIG difference.
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Posted: 10/25/2016 12:11:41 AM EDT
[#9]
Also, good advice is in this thread...
https://www.ar15.com/forums/t_1_5/1847535_.html I don't want to say my credit is now bulletproof, but I feel pretty good about it. All that confidence for $9, in my state. 
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Posted: 10/25/2016 12:18:58 AM EDT
[#10]
Quote HistoryQuoted:
You're with the wrong bank if they don't credit your account immediately... Debit card is all I use. With some skimmers installed with cameras, they can capture the pin. The banks have gone a different route and are not immediately siding with the account holder WHEN the PIN is used. I have seen numerous banks reverse the credits MONTHS after the incident. It is done intentionally, to avoid the video evidence proving the bank would be liable. |
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Posted: 10/25/2016 12:21:55 AM EDT
[#11]
Quote HistoryQuoted:
I use my debit card as an atm card only. It never hits the net. The net is the least likely place for it to be stolen. Gas pumps and ATMs are the top 2. |
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Posted: 10/25/2016 12:40:42 AM EDT
[#12]
Cashless is soo much safer. LOL
I would rather loose whats in my wallet then triple zeroes or worse from a hacked account. |
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Posted: 10/25/2016 12:47:39 AM EDT
[#13]
Chip or no chip on the Debit Card?
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Posted: 10/25/2016 12:48:32 AM EDT
[#14]
Quote HistoryQuoted:
The net is the least likely place for it to be stolen. Gas pumps and ATMs are the top 2. Quote HistoryQuoted:
Quoted:
I use my debit card as an atm card only. It never hits the net. The net is the least likely place for it to be stolen. Gas pumps and ATMs are the top 2. This and from company databases that recently outsourced their IT infrastructure jobs to India. |
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Posted: 10/25/2016 9:47:03 AM EDT
[#15]
My Chase debt card was hit yesterday. I got the fraud alert text at around 4am asking if I made a charge for 250 worth of cosmetics from Younique. checked the app, they hit me for 100 to mercy ships, another charge for 200 worth of shit from younique. the first test charge they made was for 4 bucks to chalet lodge that was refunded.
Only unusual purchase I made recently was at uncle sams retail outlet on saturday. It's been a couple weeks since I used the card at a gas station, I usually use cash. Fraud dept called me an hour ago. They are going to reveiw and refund the funds within 48 hrs. Already issuing me a new card. I generally only use this card / account for online purchases and don't keep much cash in it. |
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Posted: 10/25/2016 9:48:04 AM EDT
[#16]
You seriously still carry a debit card?
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Posted: 10/25/2016 9:48:45 AM EDT
[#17]
Quote HistoryQuoted: If you use a debit card and it gets hacked, you're arguing about getting your money back that's already gone. If your credit card gets hacked, you're arguing about whether you're going to pay them the money in the future. BIG difference. |
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Posted: 10/25/2016 9:49:54 AM EDT
[#18]
Quote HistoryQuoted: Cashless is soo much safer. LOL I would rather loose whats in my wallet then triple zeroes or worse from a hacked account. |
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Posted: 10/25/2016 9:51:28 AM EDT
[#19]
My bank has a notification system. I get to chose the amount but typically it's $100.00. Every time I spend more then the notification amount I get a text on my phone. Good early warning system to catch and stop such events.
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Posted: 10/25/2016 9:52:39 AM EDT
[#20]
Quote HistoryQuoted:
Exactly. I'd rather risk losing $200 or less in cash in my wallet, than risk losing thousands from my checking account that is needed for mortgage, utilities, etc. Quote HistoryQuoted:
Quoted:
Cashless is soo much safer. LOL I would rather loose whats in my wallet then triple zeroes or worse from a hacked account. Or use a credi card and lose exactly $0 of YOUR money |
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Posted: 10/25/2016 9:53:12 AM EDT
[#21]
Quoted:
Went to buy groceries and card was declined. Just got paid so I knew I had money. Came home and called credit card company. Found out yesterday someone in Miami took out 3 $200 withdrawals at a Sunoco. So I opened a dispute and it's gonna take about 7-10 to get my money back Yay!
I knew it was just a matter of time, but they were "nice" enough to leave me $64. I'm in TN, near Knoxville, and mine got hit too. They bought IHOP, Taco Bell, and something for $4 in Morristown. Gotta go replace my card at lunch. |
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Posted: 10/25/2016 9:53:29 AM EDT
[#22]
One more datapoint against the "a debit card offers the same protections as a credit card" crowd.
An illicit charge on my credit card will never drain my bank account. |
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Posted: 10/25/2016 9:58:44 AM EDT
[#23]
Quote HistoryQuoted: Or use a credi card and lose exactly $0 of YOUR money Quote HistoryQuoted: Quoted: Quoted: Cashless is soo much safer. LOL I would rather loose whats in my wallet then triple zeroes or worse from a hacked account. Or use a credi card and lose exactly $0 of YOUR money |
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Posted: 10/25/2016 9:58:58 AM EDT
[#24]
Quoted:
Went to buy groceries and card was declined. Just got paid so I knew I had money. Came home and called credit card company. Found out yesterday someone in Miami took out 3 $200 withdrawals at a Sunoco. So I opened a dispute and it's gonna take about 7-10 to get my money back Yay!
I knew it was just a matter of time, but they were "nice" enough to leave me $64. That's why you open an account specifically for a bank-card. Transfer the $ to that account when you want to make purchases. Problem solved |
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Posted: 10/25/2016 9:59:22 AM EDT
[#25]
Quote HistoryQuoted:
My Chase debt card was hit yesterday. I got the fraud alert text at around 4am asking if I made a charge for 250 worth of cosmetics from Younique. checked the app, they hit me for 100 to mercy ships, another charge for 200 worth of shit from younique. the first test charge they made was for 4 bucks to chalet lodge that was refunded. Only unusual purchase I made recently was at uncle sams retail outlet on saturday. It's been a couple weeks since I used the card at a gas station, I usually use cash. Fraud dept called me an hour ago. They are going to reveiw and refund the funds within 48 hrs. Already issuing me a new card. I generally only use this card / account for online purchases and don't keep much cash in it. My Chase credit card was hacked on the 13th-5 charges of 849.00 and 4 charges of 249.99 to AT&T bill pay.Funny thing it was hacked beginning of this year and they called me at 9am on a Sunday morning to question 2 charges of less than 10.00.
They took the charges off immediately and sent me a new card.90% of it is for fuel at a local gas station (in the middle of nowhere) and I always look at the seal around the reader. These people need to be hunted down and killed. |
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Posted: 10/25/2016 10:05:41 AM EDT
[#26]
Quote HistoryQuoted:
My Chase credit card was hacked on the 13th-5 charges of 849.00 and 4 charges of 249.99 to AT&T bill pay.Funny thing it was hacked beginning of this year and they called me at 9am on a Sunday morning to question 2 charges of less than 10.00.
They took the charges off immediately and sent me a new card.90% of it is for fuel at a local gas station (in the middle of nowhere) and I always look at the seal around the reader. These people need to be hunted down and killed. Quote HistoryQuoted:
Quoted:
My Chase debt card was hit yesterday. I got the fraud alert text at around 4am asking if I made a charge for 250 worth of cosmetics from Younique. checked the app, they hit me for 100 to mercy ships, another charge for 200 worth of shit from younique. the first test charge they made was for 4 bucks to chalet lodge that was refunded. Only unusual purchase I made recently was at uncle sams retail outlet on saturday. It's been a couple weeks since I used the card at a gas station, I usually use cash. Fraud dept called me an hour ago. They are going to reveiw and refund the funds within 48 hrs. Already issuing me a new card. I generally only use this card / account for online purchases and don't keep much cash in it. My Chase credit card was hacked on the 13th-5 charges of 849.00 and 4 charges of 249.99 to AT&T bill pay.Funny thing it was hacked beginning of this year and they called me at 9am on a Sunday morning to question 2 charges of less than 10.00.
They took the charges off immediately and sent me a new card.90% of it is for fuel at a local gas station (in the middle of nowhere) and I always look at the seal around the reader. These people need to be hunted down and killed. I wonder how much the various governments in this country spend on this and computer hacking (things that really matter) compared to how much they spend to stop people from smoking a plant? |
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Posted: 10/25/2016 10:10:25 AM EDT
[#27]
Last night, I got the "suspicious activity" text message from my bank on my personal credit card.
Some "rich and diverse" purchases: Nike.Com - 139.96 Tracfone Phones - 674.09 Both were declined by my bank. 
Got an email from my employer this morning that all of our corporate VISAs are being replaced as well, due to a security issue. There's no punishment too harsh for thieves. |
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Posted: 10/25/2016 10:17:21 AM EDT
[#28]
Just had to replace my credit card last week. Someone bought a $600 musical instrument from a place in NJ. I called the CC company and told them I would never go to NJ or support them financially like that.
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Posted: 10/25/2016 10:18:18 AM EDT
[#29]
My hack was well coordinated. Got a txt that I had successfully changed my Verizon password. Called Verizon and asked WTF? Before they could fix it my cell had been ported to another carrier.
They admitted that someone pretending to be me had called and asked for a password change, claiming that they had forgotten the password. Friggin Verizon let them do it. Effect: No text messages that my card was being used. Took me four hours and a police report to get it fixed. In those four hours $14,300.00 charge to my Amex card. $8560 to Bloomingdales, $5000 Apple gift cards, the remainder to some music download service. Stroke of luck allowed me to catch it before any of the charges got past the pending stage. Automatic email from Apple store. Have now frozen my credit at all three bureaus. Had a port lock put on all my cell phones. If you want to port the number, you personally appear at a Verizon corp store with ID. Scared shit out of me and I haven't even activated the replacement cards. |
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Posted: 10/25/2016 10:24:57 AM EDT
[#30]
Quote HistoryQuoted:
My Chase debt card was hit yesterday. I got the fraud alert text at around 4am asking if I made a charge for 250 worth of cosmetics from Younique. checked the app, they hit me for 100 to mercy ships, another charge for 200 worth of shit from younique. the first test charge they made was for 4 bucks to chalet lodge that was refunded. Only unusual purchase I made recently was at uncle sams retail outlet on saturday. It's been a couple weeks since I used the card at a gas station, I usually use cash. Fraud dept called me an hour ago. They are going to reveiw and refund the funds within 48 hrs. Already issuing me a new card. I generally only use this card / account for online purchases and don't keep much cash in it. Earlier this year my debit card was compromised and it took Chase about five days to get my money back into the account. I ordered a Chase Freedom Unlimited with 1.5 % cash back on each purchase and use it as a delayed action debit because it takes about three days for the amount charged to appear as such and then I just transfer from the checking and pay it off. The only place I use the debit now is at an ATM and hopefully from a Chase ATM. |
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Posted: 10/25/2016 10:37:57 AM EDT
[#31]
If you're using a debit card you're asking for trouble. I've hear too many horror stories of banks sitting on returning the money for weeks or months. Just this weekend I heard a guy say he was taken for nearly $15k and it took weeks to get his money back.
My credit card has been hacked 5 or 6 times since June and Citibank has reversed the charges every time no questions asked. Which would you prefer? |
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Posted: 10/25/2016 10:43:45 AM EDT
[#32]
Quote HistoryQuoted:
My hack was well coordinated. Got a txt that I had successfully changed my Verizon password. Called Verizon and asked WTF? Before they could fix it my cell had been ported to another carrier. They admitted that someone pretending to be me had called and asked for a password change, claiming that they had forgotten the password. Friggin Verizon let them do it. Effect: No text messages that my card was being used. Took me four hours and a police report to get it fixed. In those four hours $14,300.00 charge to my Amex card. $8560 to Bloomingdales, $5000 Apple gift cards, the remainder to some music download service. Stroke of luck allowed me to catch it before any of the charges got past the pending stage. Automatic email from Apple store. Have now frozen my credit at all three bureaus. Had a port lock put on all my cell phones. If you want to port the number, you personally appear at a Verizon corp store with ID. Scared shit out of me and I haven't even activated the replacement cards. Damn,sounds like someone has been keeping an eye on you.Spooky to set it up like that. |
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Posted: 10/25/2016 10:47:17 AM EDT
[#33]
Quote HistoryQuoted:
I wonder how much the various governments in this country spend on this and computer hacking (things that really matter) compared to how much they spend to stop people from smoking a plant? Quote HistoryQuoted:
Quoted:
Quoted:
My Chase debt card was hit yesterday. I got the fraud alert text at around 4am asking if I made a charge for 250 worth of cosmetics from Younique. checked the app, they hit me for 100 to mercy ships, another charge for 200 worth of shit from younique. the first test charge they made was for 4 bucks to chalet lodge that was refunded. Only unusual purchase I made recently was at uncle sams retail outlet on saturday. It's been a couple weeks since I used the card at a gas station, I usually use cash. Fraud dept called me an hour ago. They are going to reveiw and refund the funds within 48 hrs. Already issuing me a new card. I generally only use this card / account for online purchases and don't keep much cash in it. My Chase credit card was hacked on the 13th-5 charges of 849.00 and 4 charges of 249.99 to AT&T bill pay.Funny thing it was hacked beginning of this year and they called me at 9am on a Sunday morning to question 2 charges of less than 10.00.
They took the charges off immediately and sent me a new card.90% of it is for fuel at a local gas station (in the middle of nowhere) and I always look at the seal around the reader. These people need to be hunted down and killed. I wonder how much the various governments in this country spend on this and computer hacking (things that really matter) compared to how much they spend to stop people from smoking a plant? Hmmm,does going after a plant that has been around longer than these United States give the government more power and control over the populace vs. going after hackers and thieves costing us billions (trillions?) every year??? We may never know.............. 
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Posted: 10/25/2016 10:48:56 AM EDT
[#34]
Quote HistoryQuoted:
I use my debit card as an atm card only. It never hits the net. And I still recommend two separate bank accounts with a debit card, cause no one just issues an atm card anymore. And then you may as well have a couple actual credit cards cause using them will wind up having one compromised. I like when a new one I have not set up yet gets hacked. Have not set it up. Have not called to activate it and have not emailed to activate it, it is in its envelope waiting for me to activate it. And it with its new number and what not gets hacked. Yeah, may as well have 3 real credit cards once that starts happening. Amazon gave me 50 bucks to get their card, so I admit to being cheap. Got some other cards that give money for places I normally order from as well. I will admit that the debit card used as an atm only card is actually cruising along pretty well, but that means it will get hacked shortly. So two different bank accounts using different banks, and I am not talking a little bank owned by a bigger bank and those are the two you use. 2 totally separate banks or credit unions. And yeah I resemble my 3 different credit cards remarks but one is off one of those banks cause it is my earliest card. Just my opinion on how I do things these days. I order a lot of stuff off the net since I live rural and I am not going to wait for a card to show up for me to have freedom to buy odds and ends. They don't get your pin from the net. |
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Posted: 10/25/2016 10:51:03 AM EDT
[#35]
Quote HistoryQuoted:
With some skimmers installed with cameras, they can capture the pin. The banks have gone a different route and are not immediately siding with the account holder WHEN the PIN is used. I have seen numerous banks reverse the credits MONTHS after the incident. It is done intentionally, to avoid the video evidence proving the bank would be liable. Quote HistoryQuoted:
Quoted:
You're with the wrong bank if they don't credit your account immediately... Debit card is all I use. With some skimmers installed with cameras, they can capture the pin. The banks have gone a different route and are not immediately siding with the account holder WHEN the PIN is used. I have seen numerous banks reverse the credits MONTHS after the incident. It is done intentionally, to avoid the video evidence proving the bank would be liable. Happened to me. I had to fill out an affidavit and send it in. I think it took around 10 days. |
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Posted: 10/25/2016 11:03:52 AM EDT
[#36]
Quote HistoryQuoted:
Also, good advice is in this thread... https://www.ar15.com/forums/t_1_5/1847535_.html I don't want to say my credit is now bulletproof, but I feel pretty good about it. All that confidence for $9, in my state. Man that shouldn't have been archived. Great info. |
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Posted: 10/25/2016 12:15:53 PM EDT
[#37]
Quote HistoryQuoted:
Also, good advice is in this thread... https://www.ar15.com/forums/t_1_5/1847535_.html I don't want to say my credit is now bulletproof, but I feel pretty good about it. All that confidence for $9, in my state. Freezing your credit is a great idea. But you have to be aware that it only keeps people from opening new credit accounts in your name. It doesn't do anything to protect your existing credit or debit cards from being used by someone else. |
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Posted: 10/25/2016 1:22:55 PM EDT
[#38]
Quote HistoryQuoted:
Exactly. I'd rather risk losing $200 or less in cash in my wallet, than risk losing thousands from my checking account that is needed for mortgage, utilities, etc. Quote HistoryQuoted:
Quoted:
Cashless is soo much safer. LOL I would rather loose whats in my wallet then triple zeroes or worse from a hacked account. That is your stupid mistake of linking a card to a checking account. So, let's do a real comparison. Would you rather risk $200 cash or a piece of plastic that doesn't directly link to your account and it is their money taking the initial hit? |
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Posted: 10/25/2016 1:26:14 PM EDT
[#39]
Quote HistoryQuoted:
My hack was well coordinated. Got a txt that I had successfully changed my Verizon password. Called Verizon and asked WTF? Before they could fix it my cell had been ported to another carrier. They admitted that someone pretending to be me had called and asked for a password change, claiming that they had forgotten the password. Friggin Verizon let them do it. Effect: No text messages that my card was being used. Took me four hours and a police report to get it fixed. In those four hours $14,300.00 charge to my Amex card. $8560 to Bloomingdales, $5000 Apple gift cards, the remainder to some music download service. Stroke of luck allowed me to catch it before any of the charges got past the pending stage. Automatic email from Apple store. Have now frozen my credit at all three bureaus. Had a port lock put on all my cell phones. If you want to port the number, you personally appear at a Verizon corp store with ID. Scared shit out of me and I haven't even activated the replacement cards. That is a typical ID theft. Just wait for the Fingerhut bills and Montgomery Ward collections to start. They are very slow to go after you. And once your information is out there, it will be used several times in the next 5 years. Run a credit report and make sure no more surprises are waiting for you. It is truly a gift that keeps on punishing. |
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Posted: 10/25/2016 1:35:16 PM EDT
[#40]
Quote HistoryQuoted:
My Chase debt card was hit yesterday. I got the fraud alert text at around 4am asking if I made a charge for 250 worth of cosmetics from Younique. checked the app, they hit me for 100 to mercy ships, another charge for 200 worth of shit from younique. the first test charge they made was for 4 bucks to chalet lodge that was refunded. Only unusual purchase I made recently was at uncle sams retail outlet on saturday. It's been a couple weeks since I used the card at a gas station, I usually use cash. Fraud dept called me an hour ago. They are going to reveiw and refund the funds within 48 hrs. Already issuing me a new card. I generally only use this card / account for online purchases and don't keep much cash in it. Same here. Hit us this morning. Never dealt with this before. It's unnerving, the way we can be so prepared for a physical threat yet an invisible thief hundreds of miles away can make you feel so violated. You're being robbed yet there's nobody in front of you to kill. I hate the feeling. |
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Posted: 10/25/2016 1:43:10 PM EDT
[#41]
See I'm already too late for all the "DEBIT CARD.....oh the noes!" crowd.
Never seen any evidence that a credit card has any special protections a debit card doesn't have. Doesn't anyone know a real story in which someone had a debit card hacked and their bank told them 'too bad, so sad'? The two times my debit card got hacked the bank immediately refunded me the fraudulent charges with no BS. I imagine a CC would be just as painless. |
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Posted: 10/25/2016 1:55:15 PM EDT
[#42]
Quote HistoryQuoted:
If you use a debit card and it gets hacked, you're arguing about getting your money back that's already gone. If your credit card gets hacked, you're arguing about whether you're going to pay them the money in the future. BIG difference. Exactly. *ring ring, *text Text* *email *email... (all at once, minutes after...) Hi, Mr. IIlikeplants, this is Capital One, the Kung-Fu Credit Card Company. We noticed unusual charges on your account. "Nope, I don't shop at Weaves-R-Us in Milwaukee" Ok Sir, we'll take those charges off, and send you a new card immediately. *transfers me to fraud dept. Fraud Dept. takes interest in where I last used it, who might have swiped it, gathers intel. Sometimes I even get a phone call with more info! Either way it costs me $0.00 infact, they PAY ME to use the card. amazing... BMO Harris= Go Fuck Yourself sir, you might see money back in 2 weeks top 2 months, unless we just fuck you. *cheers. |
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Posted: 10/25/2016 2:03:03 PM EDT
[#43]
credit cards ONLY here
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Posted: 10/25/2016 2:37:44 PM EDT
[#44]
Quote HistoryQuoted:
If you use a debit card and it gets hacked, you're arguing about getting your money back that's already gone. If your credit card gets hacked, you're arguing about whether you're going to pay them the money in the future. BIG difference. This |
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Posted: 10/25/2016 7:40:45 PM EDT
[#45]
Quote HistoryQuoted:
See I'm already too late for all the "DEBIT CARD.....oh the noes!" crowd. Never seen any evidence that a credit card has any special protections a debit card doesn't have. Doesn't anyone know a real story in which someone had a debit card hacked and their bank told them 'too bad, so sad'? The two times my debit card got hacked the bank immediately refunded me the fraudulent charges with no BS. I imagine a CC would be just as painless. You claim your card was hacked. How did the suspect get the PIN? Since your PIN was compromised and you have no idea how it was hacked, plan on eating the loss. ATM skims are being pushed more and more on the account holder. I don't have that problem on a credit card. The federal rules for debit cards say you are limited to a max of $50 of responsibility, for each transaction. If you wait to actually file the claim, it goes to $500 at the 3 day mark. If you wait and let them do their investigation without a formal complaint, they will wait the 60 days (federal law) and then deny your claim. You can then actually file the claim, but 60 days has passed and you are stuck holding the bag. |
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Posted: 10/25/2016 9:22:44 PM EDT
[#46]
Quote HistoryQuoted:
See I'm already too late for all the "DEBIT CARD.....oh the noes!" crowd. Never seen any evidence that a credit card has any special protections a debit card doesn't have. Doesn't anyone know a real story in which someone had a debit card hacked and their bank told them 'too bad, so sad'? The two times my debit card got hacked the bank immediately refunded me the fraudulent charges with no BS. I imagine a CC would be just as painless. Fine, just keep using your debit card. All of the stories of people having mo eye taken from their bank account are lies told by credit card companies. The OP is a liar. You will always be right by your phone and the Internet when there is an issue, and your bank will always return the money instantly. Go for it. Tell Dave I said hi. |
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Posted: 10/25/2016 9:29:09 PM EDT
[#47]
Use a CC for everything and track it in my ledger as if it were cash, so I know I have the money to pay it in full every month, so no interest, but I get reward points.
It's been compromised twice and the CC company caught it before I did. Cleared the charges and sent me a new card. With a DC, the cash is gone until the bank reimburses you. Fuck that. |
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Posted: 10/25/2016 9:31:43 PM EDT
[#48]
Quoted:
Went to buy groceries and card was declined. Just got paid so I knew I had money. Came home and called credit card company. Found out yesterday someone in Miami took out 3 $200 withdrawals at a Sunoco. So I opened a dispute and it's gonna take about 7-10 to get my money back Yay!
I knew it was just a matter of time, but they were "nice" enough to leave me $64. Exactly why I never use my debit card. Always use a CC. If it gets comped, I'm not out any of MY money, and I don't have to wait to get MY money back. |
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Posted: 10/25/2016 10:43:41 PM EDT
[#49]
Small update, Chase already put my money back on my debit card account. So less than 10 hours. Now to wait for my replacement card.
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