Q Talk

[BalletBabe]

I am sure a lot of you do this but thought I would throw it out there.   I always order on easy pay, that way if there is a issue like yesterday I am only out thatfirst easy pay.  If I didn't order on easy pay, I would be sitting with a 100.00 out of my account.  I used a debit card and that I won't do anymore, but if you order on easy pay your only out that first installment.

If I didn't use easy pay yesterday, I would be waiting for a 50.00 refund instead of a 10.00 one.   

[fthunt]

Been doing it for long time....for $$$ and some products that have to 'work' upon arrival.  (kitchen appliances)

[spursfan2]

@BalletBabe I do easy pay 99% of the time for that very reason. Wise advice.

[SilleeMee]

I never use a debit card. In fact I don't even own one. Debit cards are like a doorway leading right to your bank account and if a crook can get access then your money will be gone. Using a debit card to do business over the internet just spells trouble, especially if you are using an older computer.

[Pook]

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@SilleeMee wrote:

I never use a debit card. In fact I don't even own one. Debit cards are like a doorway leading right to your bank account and if a crook can get access then your money will be gone. Using a debit card to do business over the internet just spells trouble, especially if you are using an older computer.

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You use it as a credit card because you do not have to put your pin in on the internet and actually should be doing that anywhere locally and don't ever use your pin.   Money comes out of your bank account but Visa or MC handles it and your money in your account will not be accessed by a crook!   I also have mine put in paypal that I can use to order online and issues will be covered by paypal.

[SilleeMee]

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@Pook wrote:

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@SilleeMee wrote:

I never use a debit card. In fact I don't even own one. Debit cards are like a doorway leading right to your bank account and if a crook can get access then your money will be gone. Using a debit card to do business over the internet just spells trouble, especially if you are using an older computer.

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You use it as a credit card because you do not have to put your pin in on the internet and actually should be doing that anywhere locally and don't ever use your pin.   Money comes out of your bank account but Visa or MC handles it and your money in your account will not be accessed by a crook!   I also have mine put in paypal that I can use to order online and issues will be covered by paypal.

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It's not so much about how you 'log on' to using a debit card (password, pin or whatever) but it's about the electronic trail it leaves behind which crooks can pick up and use.  Debit cards do not have the fraud protection that credit cards offer. 

[Mz iMac]

@SilleeMee  "Debit cards do not have the fraud protection that credit cards offer."

I believe they do now.  At least Visa.  I have a *Visa* debit card through Bank Of America.  On the back of my statements it states: 

Federal Law: Liability limited to $50, if you report the loss to the issuer within two business days: $500, if you report within 60 days; no limit if you report after 60 days.

Since it's a Federal Law, all debit cards should be offering fraud protection.

[SilleeMee]

@Mz iMac 

Well that's good to know. Must get to know the issuer of the debit card to make sure ey?

[ECBG]

We have Malware Bites which stopped me cold today!

[Etoile308]

You may eventually be able to recoup losses when a debit card is hacked, but think about how long your account would be locked and not accessible. I doubt banks would resolve the issue in a day or two but instead take weeks.