Among Friends

[Carmie]

@CelticCrafter   I have never had a breech before, but my husband has with two different credit cards.

Someone even used his card for on line gaming...at $8 a pop.  He just paid the charges fir months until one day he asked me what I was buying for all these $8 charges.  

I said I didn't use the card.  He got most of his money back, but it was a nightmare jumping through hoops to get it.

My husband will only pay cash for gas...no cards at all.

My debit card never paid a dime for any fraudulent activity. I have had this account for years.

As long as I keep getting immediate notifications everytime that account is used, I feel my money is safe.

[chrystaltree]

It is that time of year.  I had that happen last summer, someone tried to get  $300 fromy bank debit card.  They tried three times.  But my bank suggested I cancel that debit card and the checking account it was linked to.  They set up a new checking account for me and issued a new debit card.  It was a nuisance but it was safer that way.  

[elated]

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@CelticCrafter wrote:

Our main reason for not having or wanting a debit card.

Cash pretty much every where except for Costco and Costco gas.  If we need the cash we make a physical withdrawal from our savings at the bank.

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I would never carry too much cash. It is dangerous and you just never know what is around the corner. Use a credit card and pay off monthly.

[San Antonio Gal]

Scammers make me sick @Carmie .  I've had fradulent activity with my credit cards, but never my debit card.

After reading your post, I transferred the balance to my savings and just kept a little amount in my checking.  My savings is also NOT set up as overdraft to my checking.

Thanks for the heads up.  

[chrystaltree]

@CelticCrafter 

It's not just debit cards.  The same thing happens with credit cards.  

[CelticCrafter]

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@chrystaltree wrote:

@CelticCrafter 

It's not just debit cards.  The same thing happens with credit cards.  

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@chrystaltree I'm well aware of that fact however with a credit card you aren't giving them access to every penny in the account the debit card is attached to.

[chrystaltree]

@CelticCrafter 

With a debit card, you can choose a daily cash limit.  Which is why the thieves couldn't use my card.  They tried to take $300... twice and could not get anything because my daily cash limit is $250.   After the second attempt, the card was frozen and flagged for possible fraud.   Once we were in vacation, I used my debit card to take out $250 in cash two days in a row and I'd made a lot of purchases.  My bank, or rather it's computer system, flagged the card because the charges and withdrawals were unusual for me.  And the charges were in Myrtle Beach.  I live in MA.  My bank phoned me to verify that everything was legit.  For me, cash is much riskier than my debit card.  

[DottieBlue]

@Carmie 

Thank you so much for starting this thread and to all of the posters who contributed to it.  It was a wonderful reminder for me to check on some things, and I also learned a few new things.  Very important and helpful information.

This thread is a perfect example of how helpful these forums are and I also thank QVC for continuing to provide this service.

Happy Holidays to you all!

[Hopein24]

Just a thought. Say, if you go to a restaurant to eat and give the waiter/waitress your card to pay the bill, usually they leave the table with your card to go to the kiosk. Just be careful, not saying anything against Wait staff, but I am well aware of how society has changed. Beware.

[LuvSoCal]

@Carmie I'm guilty of keeping too much money in my checking account but couldn't someone access a savings account too with debit card information? I hate that we have to worry about things like this.