Debit card hacked again - Page 2

Boehm Collector · ‎03-09-2010

@smoochy wrote:
Three fraudulent charges took a big bite out of our checking account, causing some major financial problems. Of course we called the bank. All necessary steps were taken. Our biggest takeaway was the banker said that he and his family only use credit cards for shopping not debit cards. That way the evildoers don't have direct access to the bank accounts. We plan to use the debit only for ATM withdrawals from now on. A credit card will be used for groceries, gas etc. As well as for online shopping. Lesson learned.

I only use my debit card at the supermarket and at ATM machines. Never for on line shopping.

deeva · ‎03-09-2010

I only use my debit card at my banks ATM. And I lock my card when it isn't going to be used.

I increased the security on my debit card so it cannot be used at gas stations, department stores or for online purchases.

gidgetgh · ‎03-09-2010

I'm sorry that happened to you @smoochy .

I stopped using my debit card several years ago. I don't even carry it with me. I use my Discover card for everything or cash, yes, cash. I just didn't like using the debit card anywhere.

And every so often, I go to the bank and cash an actual check (gasp!) and get out enough cash to last me for quite awhile. I keep it at home and dole it out to myself.

Why is it, when I have a 50/50 guess at something, I'm always 100% wrong?

m0rgan · ‎09-30-2012

I just had someone get into my medicare account for the second time this year. It is so frustrating. I get a text at 2:00 A.M. and somehow they are able to change my password and I am locked out. Too many scammers out there! Not sure what they think they can do with my medicare account except get my personal info and call me all the time trying to get me to admit I have pain and send me braces and other equipment. I just hang up on them but they are back. Now to tackle medicare again.

RescueLover · ‎02-06-2022

Sorry to hear you got hacked. 😌

We’ve Always used our credit cards and then pay off the bill in full each month. NO interest to pay and they’re on Auto Pay too, so we don’t have to worry about late fees.

Also, Our bank advised NOT to use our debit card at other ATM Machines !!!

ONLY at the bank’s ATM Machine !!

Scammers everywhere !!! 😩

Sunshine Kate · ‎03-10-2010

I have a debit card, but rarely use it, and instead use credit cards. I don't carry my debit card either.

If I need cash I'll go through the drive-up or walk inside and use a teller.

San Antonio Gal · ‎05-18-2017

I rarely use my debit card for the exact reason you posted about @smoochy . So sorry that happened to you.

As others have stated, I also use my CC for everything and just pay it in full at month end. Bonus - you get points for using CC.

My husband even canceled his debit card. Same thing happened to him years ago. The bank reimbursed the monies stolen, but it was a stressful time. He uses his Discover CC for everything.

smoochy · ‎03-10-2010

you guys have definitely given me a lot of good info and tips. Our bank, PNC, is closing most physical branches. There is one branch about 20 miles from us in a very very congested Tampa suburb-not convenient! And their skyscraper in downtown Tampa, 37 miles away fuggedaboutit 😆 there is only one PNC ATM in my city. So that is the one we will use for cash withdrawals.

I like the idea of withdrawing a lot of cash at once, doling it out to ourselves as needed from home. I have a couple of fun secret hiding places at home 😉

MICHIGAN STATE MOM

Carmie · ‎10-25-2010

I use my debit card in person on occasion usually for small amounts. I have it so that I keep just a small amount of money in my account. I also do not allow an automatic transfer of funds from savings if my checking account does not have enough of funds to complete a transaction.

If I want to spend more than what my balance is, I transfer money from savings right before I make a transaction. I change my password often right on line.

I also get notified every single time my debit card is used.

This past year I did have someone access my account from three different states on the same day. They tried to make purchases at Walmart.

They were greedy and all three transactions were for more money than what was in my account. They didn't get a dime. There were also a few attempts for larger withdraws of around $12,000 that were denied immediately. I got notices for that, but by then, my account number was changed.

The only time I can remember using my debit card around that time was in Target, so I think that's were the breach occurred, but that is not 100% certain.

I just called my bank and they cancelled my card and issued a new debit card and I picked it up an hour later.

I mostly just use cash for small purchases now. No cards needed for only a few dollars. I always have cash on me.

My husband has had his CC cards hacked a few times. He only uses his debit card at the ATM at the credit union.