Be careful when using your debit cards!!!

[Open123]

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@LS2982 wrote:
How does discover work on getting cash back at a store?? I keep hearing about this, is it like how the walmart card works where it shows up as a purchase and treated like a purchase?

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Yeah, it's treated just like a purchase with no fee, and interest doesn't start immediately as it does in a cash advance. 

The only thing is you don't get cash back, and the amount isn't counted towards your $3k spending threshold.  Other than that, it is treated just as if it where any other purchase.  I just go into the supermarket, buy some mints and get cashback.  

I use this to get cash now rather than my atm/debit card.

[FrugalRican]

For those of you who advocate only using your debit card to withdrawal funds from an ATM, also consider this:

Using an ATM machine that is strictly inside a branch (limited access). The advent of ATM skimmers has been around for a few years and even that has compromised quite a few cards.

I actually SD'ed my debit card.

[Open123]

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@FrugalRican wrote:

For those of you who advocate only using your debit card to withdrawal funds from an ATM, also consider this:

Using an ATM machine that is strictly inside a branch (limited access). The advent of ATM skimmers has been around for a few years and even that has compromised quite a few cards.

I actually SD'ed my debit card.

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Right, and when I must use an ATM, it'll be a Citi one where there is an enclosed environment where only one with an actual Citi ATM card can gain access.  I will never use public open ATMs again.

[LS2982]

I need to start using inside ATMs or getting money from a teller. I surprisingly havent had any bank card fraud happen to me.

[Ron1]

Most BofA ATM are outside the branch or the drive-thru.  Some of them are inside the shopping mall.  There are many ways to get hold of your debit card number like waiter/waitress copied your account number, payment processing server got hacked. I also heard someone buying drive-thru at Mc Donald and his card got copied. Just have to be careful.  Check online and look at your bank statement closely.  Use your credit card instead of debit for most purchases. 

Ron.

[LS2982]

@Ron +1

[tinuviel]

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@MrShush wrote:
Been saying this for years. Credit card issuers will work harder to get THEIR money back than the bank will work to return YOURS to you!

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Big +1 to this.

[LS2982]

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@tinuviel wrote:

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@MrShush wrote:
Been saying this for years. Credit card issuers will work harder to get THEIR money back than the bank will work to return YOURS to you!

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Big +1 to this.

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+2

(Although I have to give Cap1 bank props for the 2 situations I had where they straighened it out quickly)

[MarcinXP]

My main checking account is through Fidelity and I did not even want a Visa debit card and just ATM card linked to it...however they don't have that option so they sent me their debit card. I SD that and never use it..I pay all my credit cards from it and whatever I transfer whatever money needed to keep a balance of $620 in my USAA checking account. I carry that debit card and since daily limit is $600 I always use that to get cash and if needed ever I can take max daily. Sometimes I would make a purchase with it, but its rare....rest I have credit cards and I sleep good knowing my main Debit card is SD...I did activate it but when this ones expires I won't even activate a new one.