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Posted: 8/28/2015 5:45:39 PM EDT
[#1]
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!
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Posted: 8/28/2015 5:48:01 PM EDT
[#2]
Throw away your debit card and don't replace it.
Sorry to hear about that. |
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Posted: 8/28/2015 5:48:28 PM EDT
[#3]
Ouch.
Do you keep some cash stashed for emergencies? |
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Posted: 8/28/2015 5:48:59 PM EDT
[#4]
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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Posted: 8/28/2015 5:49:16 PM EDT
[#5]
Quote HistoryQuoted:
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 ? |
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Posted: 8/28/2015 5:50:14 PM EDT
[#6]
This would qualify to use your emergency fund.
Yes I don't think PISSED would be close enough to label it if it was me. 
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Posted: 8/28/2015 5:53:01 PM EDT
[#7]
Best I can do is offer you a high interest, predatory loan, OP.
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Posted: 8/28/2015 5:53:50 PM EDT
[#8]
Quote HistoryQuoted:
Guys, two fails in the first two posts. Don't ever use YOUR MONEY (use a CC), and never use a PIN. Either way it's insured, but yes, credit cards if paid in full each month is smart, especially if you get reward points/cash rewards etc. |
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Posted: 8/28/2015 5:54:36 PM EDT
[#9]
I use a small local credit union for savings/loans. But I like a big bank for my direct deposit to go into...the same thing happened to me a while back, and within an hour, bank of america credited the charges and I had my money back.
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Posted: 8/28/2015 5:54:56 PM EDT
[#10]
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 ? No, not likely. The CC company usually gets to eat these. |
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Posted: 8/28/2015 6:03:57 PM EDT
[#11]
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. If a PIN is used, I am pretty sure it has nothing to do with "the credit card company". Never use a PIN, even if a debit card is your only option, run it as a credit card and VISA/MC (should be a logo of one or the other on your card) will run the transaction and you are protected under their terms. No matching signature on the sales slip, not your issue. I hope not, but the bank could tell the OP to pound sand. |
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Posted: 8/28/2015 6:05:02 PM EDT
[#12]
Sorry to hear that OP With that being said you guys need to get rid of those dam debit cards and get a credit card. You can review and dispute any charges before you pay your bill every month. In fact a cc company may have caught that transaction happening. My cc companies have caught the 2 fraudulent purchases on my cards before I did. One was in the act of happening when they called me on a Saturday afternoon. |
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Posted: 8/28/2015 6:09:36 PM EDT
[#13]
Quote HistoryQuoted:
I use a small local credit union for savings/loans. But I like a big bank for my direct deposit to go into...the same thing happened to me a while back, and within an hour, bank of america credited the charges and I had my money back. Two weeks, minimum. 
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Posted: 8/28/2015 6:12:29 PM EDT
[#14]
Quote HistoryQuoted:
Sorry to hear that OP With that being said you guys need to get rid of those dam debit cards and get a credit card. You can review and dispute any charges before you pay your bill every month. In fact a cc company may have caught that transaction happening. My cc companies have caught the 2 fraudulent purchases on my cards before I did. One was in the act of happening when they called me on a Saturday afternoon. My credit union's fraud division called me at work but cell phone use is prohibited while on the clock. It'll get handled, but not speedily. |
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Posted: 8/28/2015 6:15:07 PM EDT
[#15]
Damn that sucks, my Credit Union had our money back in 6 hours and the Wife had a new card printed that morning.
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Posted: 8/28/2015 6:16:23 PM EDT
[#16]
Quote HistoryQuoted: Throw away your debit card and don't replace it. Sorry to hear about that. I don't understand why people use debit. CC, cash, or ApplePay for me. Sorry, OP |
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Posted: 8/28/2015 6:18:20 PM EDT
[#17]
Quote HistoryQuoted:
My credit union's fraud division called me at work but cell phone use is prohibited while on the clock. It'll get handled, but not speedily. Quote HistoryQuoted:
Quoted:
Sorry to hear that OP With that being said you guys need to get rid of those dam debit cards and get a credit card. You can review and dispute any charges before you pay your bill every month. In fact a cc company may have caught that transaction happening. My cc companies have caught the 2 fraudulent purchases on my cards before I did. One was in the act of happening when they called me on a Saturday afternoon. My credit union's fraud division called me at work but cell phone use is prohibited while on the clock. It'll get handled, but not speedily. Are you not allowed to use the bathroom on the clock? |
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Posted: 8/28/2015 6:19:38 PM EDT
[#18]
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 ? Do you have any silver or gold stashed away? You should be able to gas and groceries with that |
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Posted: 8/28/2015 6:21:37 PM EDT
[#19]
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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Posted: 8/28/2015 6:32:34 PM EDT
[#20]
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 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 coverd, too. |
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Posted: 8/28/2015 6:34:59 PM EDT
[#21]
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. |
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Posted: 8/28/2015 6:35:49 PM EDT
[#22]
Quote HistoryQuoted:
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. |
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Posted: 8/28/2015 6:36:10 PM EDT
[#23]
Quote HistoryQuoted:People still use banks? I've got all my money in beanie babies. 
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Posted: 8/28/2015 6:37:13 PM EDT
[#24]
She'll front you some cash |
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Posted: 8/28/2015 6:40:25 PM EDT
[#25]
Quote HistoryQuoted: Guys, two fails in the first two posts. Don't ever use YOUR MONEY (use a CC), and never use a PIN. Word! My Chase CC purchases hit my phone within a second or two of being made. If I didn't make the charge, I'll know about it the second it hit's my account. I pay it off every month...and I have a record, categorized, of every penny I spend. Hard to find a better solution. |
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Posted: 8/28/2015 6:41:17 PM EDT
[#26]
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. How does one go about doing that? I have my local credit union for debit/savings/checking/direct deposit, then I have my credit card through Cabela's. |
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Posted: 8/28/2015 6:42:20 PM EDT
[#27]
#swedishlivesmatter
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Posted: 8/28/2015 6:42:40 PM EDT
[#28]
Quote HistoryQuoted:
http://consumermediallc.files.wordpress.com/2013/08/westernsky.png She'll front you some cash I'd work out a treaty or two with her! 
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Posted: 8/28/2015 6:45:01 PM EDT
[#29]
Quote HistoryQuoted: My credit union's fraud division called me at work but cell phone use is prohibited while on the clock. It'll get handled, but not speedily. Quote HistoryQuoted: Quoted: Sorry to hear that OP With that being said you guys need to get rid of those dam debit cards and get a credit card. You can review and dispute any charges before you pay your bill every month. In fact a cc company may have caught that transaction happening. My cc companies have caught the 2 fraudulent purchases on my cards before I did. One was in the act of happening when they called me on a Saturday afternoon. My credit union's fraud division called me at work but cell phone use is prohibited while on the clock. It'll get handled, but not speedily. Jeebus, man...what kind of fucked up place won't allow somebody to answer a call from their bank's fraud department? If it was me...they'd just have to understand. Piss break. |
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Posted: 8/28/2015 6:47:31 PM EDT
[#30]
this is why you use a credit card. if there is fraud, it's the bank's money that is stolen, not yours. yes, you'll get it back, but not fast...
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Posted: 8/28/2015 6:48:49 PM EDT
[#31]
When, if ever is. Debit appropriate? |
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Posted: 8/28/2015 6:52:38 PM EDT
[#32]
Quote HistoryQuoted:
Jeebus, man...what kind of fucked up place won't allow somebody to answer a call from their bank's fraud department? If it was me...they'd just have to understand. Piss break. Quote HistoryQuoted:
Quoted:
Quoted:
Sorry to hear that OP With that being said you guys need to get rid of those dam debit cards and get a credit card. You can review and dispute any charges before you pay your bill every month. In fact a cc company may have caught that transaction happening. My cc companies have caught the 2 fraudulent purchases on my cards before I did. One was in the act of happening when they called me on a Saturday afternoon. My credit union's fraud division called me at work but cell phone use is prohibited while on the clock. It'll get handled, but not speedily. If it was me...they'd just have to understand. Piss break. It showed up as a nameless 1-888 number. I had no way to know who it was. I'll answer if it's family or certain friends, but not a toll-free number. |
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Posted: 8/28/2015 6:53:18 PM EDT
[#33]
Quote HistoryQuoted:
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. |
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Posted: 8/28/2015 6:54:31 PM EDT
[#34]
Quote HistoryQuoted:
When, if ever is. Debit appropriate? Never really. I don't even carry my debit card with me. For cash, I'll usually go into the branch, get $$ and have them break it into smaller bills for me. If the teller is a hot female, I'll ask for ones and watch how she counts it out. |
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Posted: 8/28/2015 6:55:14 PM EDT
[#35]
Quote HistoryQuoted:
Two weeks, minimum. Quote HistoryQuoted:
Quoted:
I use a small local credit union for savings/loans. But I like a big bank for my direct deposit to go into...the same thing happened to me a while back, and within an hour, bank of america credited the charges and I had my money back. Two weeks, minimum. This happened to me last year. BofA refunded the money that day in temporary credits while they investigated and made them permanent. I also now use a CC for everything. Much easier to reverse/deny charges than to give your money back. |
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Posted: 8/28/2015 6:56:38 PM EDT
[#36]
Sorry 4 u JB.
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Posted: 8/28/2015 6:58:48 PM EDT
[#37]
Quote HistoryQuoted:
Word! My Chase CC purchases hit my phone within a second or two of being made. If I didn't make the charge, I'll know about it the second it hit's my account. I pay it off every month...and I have a record, categorized, of every penny I spend. Hard to find a better solution. 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. I pay it off every month...and I have a record, categorized, of every penny I spend. Hard to find a better solution. Exactly what I do. My GF still uses her debt card for everything. Drives me nuts |
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Posted: 8/28/2015 7:05:35 PM EDT
[#38]
if your in the UP.
i'll loan you some cash till you get your money back.
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Posted: 8/28/2015 7:12:08 PM EDT
[#39]
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. My credit union told me my replacement card will be like that. |
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Posted: 8/28/2015 7:19:01 PM EDT
[#40]
That is why I refuse to have a debit card. you have no protection. You would think people would learn.
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Posted: 8/28/2015 7:20:21 PM EDT
[#41]
Quote HistoryQuoted:
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 |
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Posted: 8/28/2015 7:22:58 PM EDT
[#42]
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/ . .Protect your assets. |
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Posted: 8/28/2015 7:27:07 PM EDT
[#43]
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. I like my accounts to be super secure, so I got one of those cards, I can post a picture of it if anyone is interested!
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Posted: 8/28/2015 7:28:55 PM EDT
[#44]
Quote HistoryQuoted:
My credit union told me my replacement card will be like that. Quote HistoryQuoted:
Quoted:
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. My credit union told me my replacement card will be like that. No issue with them. They go both ways  . Have the magnetic strip and also the chip. All the Walmarts around here(Sandhills of NC) and a couple other shops have converted their card readers for chips.
I've been hit with credit card fraud a few times. It's a pain in the ass, but has so far always worked out with me owing nothing. Good luck! |
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Posted: 8/28/2015 7:30:17 PM EDT
[#45]
Quote HistoryQuoted:
Throw away your debit card and don't replace it. Sorry to hear about that. |
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Posted: 8/28/2015 7:30:40 PM EDT
[#46]
shit man that blows,,
i have a small emergency cash fund but i realize not everyone has that luxury |
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Posted: 8/28/2015 7:35:17 PM EDT
[#47]
Quote HistoryQuoted:
Throw away your debit card and don't replace it. Sorry to hear about that. Yes Thus is exactly why we use credit cards |
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Posted: 8/28/2015 7:43:35 PM EDT
[#48]
Quote HistoryQuoted:
Yes Thus is exactly why we use credit cards Quote HistoryQuoted:
Quoted:
Throw away your debit card and don't replace it. Sorry to hear about that. Yes Thus is exactly why we use credit cards My credit rating isn't even a number. It's some guy pointing at me and laughing. No credit card for me. Yes, I'm working on it. |
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Posted: 8/28/2015 7:45:40 PM EDT
[#49]
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Posted: 8/28/2015 7:50:06 PM EDT
[#50]
Quote HistoryQuoted:
People still use banks?
95% of my money is not in banks. For this reason and about a dozen other reasons. good luck getting a home loan in the future. |
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