topic Re: Cancelled my debit card in Among Friends

Cancelled my debit card

chrystaltree — Sun, 15 Sep 2024 12:38:17 GMT

What a way to start my Sunday. I got a call from my bank regarding a suspicious charge of $198 ony debit card. I didn't purchase anything for that amount. They denied payment and then cancelled my debit card. Tomorrow I'll go to the bank and get another one. It' will probably take a week before I get the replacement. That's what I think anyway. So aggravating because I'll have to change my debit card on all my accounts. I'm thankful that my bank is so diligent. Usually when I get a call about a suspicious charge, it really is legitimate.

Re: Cancelled my debit card

wagirl — Sun, 15 Sep 2024 12:43:46 GMT

My bank is good about all that too. Have had my debit card used a few times--in Italy and In Germany of all places. but got a phone call or text about it and they took took care of it. I went to the bank and got a new debit card then, no waiting, but what a hassel having to change any auto pays and passwords and such. Never did I have to pay anything because of it. It's a hassel---a plague on those dirtbags that do this to us!!!

Re: Cancelled my debit card

CalminHeart — Sun, 15 Sep 2024 12:45:58 GMT

@chrystaltree wrote:
What a way to start my Sunday. I got a call from my bank regarding a suspicious charge of $198 ony debit card. I didn't purchase anything for that amount. They denied payment and then cancelled my debit card. Tomorrow I'll go to the bank and get another one. It' will probably take a week before I get the replacement. That's what I think anyway. So aggravating because I'll have to change my debit card on all my accounts. I'm thankful that my bank is so diligent. Usually when I get a call about a suspicious charge, it really is legitimate.

When that happened to me, the bank made me a new card on the spot. With luck, your bank will too.

Re: Cancelled my debit card

chrystaltree — Sun, 15 Sep 2024 12:51:33 GMT

@CalminHeart wrote:
@chrystaltree wrote:
What a way to start my Sunday. I got a call from my bank regarding a suspicious charge of $198 ony debit card. I didn't purchase anything for that amount. They denied payment and then cancelled my debit card. Tomorrow I'll go to the bank and get another one. It' will probably take a week before I get the replacement. That's what I think anyway. So aggravating because I'll have to change my debit card on all my accounts. I'm thankful that my bank is so diligent. Usually when I get a call about a suspicious charge, it really is legitimate.

When that happened to me, the bank made me a new card on the spot. With luck, your bank will too.

Hubby's bank does that too. Fingers crossed mine will give me my new debit card while I'm there.

Re: Cancelled my debit card

haddon9 — Sun, 15 Sep 2024 13:07:04 GMT

My bank texts me to let me know about suspicious transactions on my cc. I had this happen a few days ago. The transaction was for over $600.00 in Europe....maybe they got it when I used my card over the summer while on vacation?

I now have to wait for a new credit card to be mailed to me which I will get hopefully some time this week. It is a pain to have to update a few accounts linked to that card.

I don't know what it means to have your debit card linked to your different accounts. I only ever link a credit card to different businesses and use a debit card to occasionally get cash.

The few accounts where I have automatic payment with my bank is linked directly to my bank account rather than any debit card. It seems like it's just an extra step and easier to get hacked.

Re: Cancelled my debit card

hkrgrl — Sun, 15 Sep 2024 13:03:49 GMT

@chrystaltree

good for your bank to see and cancel your card.

if i am correct, if your debit card is hacked, then there is full access to your checking account and it can be wiped out. i don't know what your bank states, but that was mine years ago and never linked anything to my debit card. i only it to make deposits and withdraws at the bank.

i would link a credit card to those accounts, if possible.

my c.c. has been hacked multiple times in the last 15 years and i had no issues with removal of charge and new card issued.

for me, the only bill linked to my checking account is Verizon b/c i get i discount for paperless billing.

all other businesses are linked to a c.c.

Re: Cancelled my debit card

Pezzie — Sun, 15 Sep 2024 13:07:45 GMT

We never use our debit card for online purchases, in fact we don't even use it at local merchants. It's CC all the way. If there is a breach, our own personal banking account won't be affected - and there have been way too many breaches.

We only use the debit card to withdraw money at the ATM and only certain ATMs. Too many, very smart crooks out there, and one has to be on the defensive all the time.

Re: Cancelled my debit card

Roscoe the Rascal — Sun, 15 Sep 2024 13:21:47 GMT

A replacement doesn't take long but changing things over does. I also when ordering on line use a credit card and not my bank ATM card for protection any more. My bank is good at notifying but I feel better keeping a close eye on it. Just like a restaurant I do not use my bank card. Mostly cash or I get a gift card. For the holidays I use gift cards and set myself a budget and when gone it is gone. I purchase through church who gets benefits for using them.

I have a Q card and never use anything else.

Just have to keep on it and do what it takes to protect our money.

Re: Cancelled my debit card

katie1859 — Sun, 15 Sep 2024 13:49:24 GMT

Here's an action that will stop this moving forward.

When you're not using your debit card, turn it on OFF.

VERY easy to do. Log in your account, go to manage your cards.

Turn off and done.

No one or nothing can get access until you turn it back on.

I do this now after I took was hit with scammers.

Not anymore.

Re: Cancelled my debit card

Group 5 minus 1 — Sun, 15 Sep 2024 14:17:38 GMT

We have never had a debit card. When possible we pay cash or use a credit card dedicated to a single purpose.

Re: Cancelled my debit card

gaga — Sun, 15 Sep 2024 14:20:08 GMT

You have my deep sympathy for your bankng problem, I have had my Credit Card/Debit Card & my Bank acct hacked twice in 5 mos. It is very violating & difficult to have to start fresh with new cards, new Ck. accts etc. The latest was an internal problem within my bank when it was found to be a Member to Member fund transfer. That was the last straw & I have since changed banks. I urge you to register with Experian, Equifax & Transunion & they will monitor your accts & you can freeze your Credit. I also filed a report with the FTC & rec'd a Pin# from SS to lock my SS#. I also filed a report with my local Police Dept. Fortunately I was able to stop them & did not lose any funds. I also now have a 3rd party Authentication on my Acct's where you have to receive a code to get into your acct's. After all this I'm sure these "Crooks" will find away to infiltrate my acct's but these precautions will slow them down & my Acct's are now flagged for any suspicious activity. I have closed all my Store Credit Cards & monitor my Bank acct's online daily & chg. passwords weekly. Also your Bank should give you a Verbal Password when you call them so they can make sure who is calling. I know this is alot but necessary to keep ahead of these "Crooks"! Make sure you have a good antivirus program on your PC & if necessary have your PC checked & cleaned for any Malware. Good Luck! p.s ask your Bank to overnite you the Cards w/o chg if you need them sooner then 8-10 days.

Re: Cancelled my debit card

They CallMe MRWILKES — Sun, 15 Sep 2024 14:24:22 GMT

I only use a debit card for occasional ATM withdrawals.

Otherwise, Debit is Deadly.

I make all non cash purchases with a credit card for the consumer protections and the lucrative rewards program.

Re: Cancelled my debit card

Estellee — Sun, 15 Sep 2024 14:29:13 GMT

I don't use my debit card to shop, only ATM. Credit card is safer way for me, I believe.

Re: Cancelled my debit card

Group 5 minus 1 — Sun, 15 Sep 2024 14:30:23 GMT

We have ATM cards but they are not debit cards.

Re: Cancelled my debit card

Kachina624 — Sun, 15 Sep 2024 16:01:00 GMT

@Pezzie. My debit card is protected exactly the same as my credit card. I use it for everything. I hate running up debt on my credit cards. I'd rather it be taken out of my bank account on the spot and I never have to think about it again.

Re: Cancelled my debit card

tansy — Sun, 15 Sep 2024 16:44:42 GMT

I gave up using my debit card for routine purchases after it was breached for the third time within a few months. I do not have that same issue with the CC and I receive a generous $ reward once a year.

I only use the debit card at a discount grocery store that requires using it or cash.

Re: Cancelled my debit card

San Antonio Gal — Sun, 15 Sep 2024 18:04:09 GMT

@They CallMe MRWILKES wrote:
I only use a debit card for occasional ATM withdrawals.

Otherwise, Debit is Deadly.

I make all non cash purchases with a credit card for the consumer protections and the lucrative rewards program.

I also rarely use my debit card. I don't like any merchant having a direct link to my checking account.

Re: Cancelled my debit card

Tinkrbl44 — Sun, 15 Sep 2024 18:09:10 GMT

@chrystaltree wrote:
What a way to start my Sunday. I got a call from my bank regarding a suspicious charge of $198 ony debit card. I didn't purchase anything for that amount. They denied payment and then cancelled my debit card. Tomorrow I'll go to the bank and get another one. It' will probably take a week before I get the replacement. That's what I think anyway. So aggravating because I'll have to change my debit card on all my accounts. I'm thankful that my bank is so diligent. Usually when I get a call about a suspicious charge, it really is legitimate.

@chrystaltree

Yikes! Been there, done that.

In a short period of time, I had suspicious transaction attempts on my debit card and it had to be replaced TWICE.

BOTH times it was triggered after I made a legitimate purchase at Target!

Although I already was doing this most of the time, i was reminded to ALWAYS use my other hand to cover my hand entering my PIN number.

Reason? Those cameras overhead ... the ones that look like little black balls on the ceiling .... record your transactions, including entering of the PIN numbers.

Shady security people can view and record all your information from the film, as well as your PIN!

Re: Cancelled my debit card

kitcat51 — Sun, 15 Sep 2024 18:40:23 GMT

Sorry that happened @chrystaltree. I never use debit, I use CC's for everything & the cash back from CC's+the cash back from sites like Rakuten really adds up. I average about $50+ cash back every month just on my CC's & I pay the balances off every month too ...for me, it's better than cash.

Re: Cancelled my debit card

Itsjustme4 — Sun, 15 Sep 2024 18:54:32 GMT

Due to Federal law, credit cards offer more protection against consumer fraud than debit cards do. You can check with any of the 3 credit services (Experian, Transunion, or Equifax) for more info about this.