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http://www.bankrate.com/finance/checking/risky-places-swipe-debit-card-1.aspx
just a few more reasons why
well, if u pay ur balance every month that is in fact borrowing, im a small business owner, a net 30 is a net 30. Credit is only survived by monetary, monetary is survived by itself. Your bank account can be depleted without ever being issued an debit card, people whom temporaily relies on someone else's funding is a risk, perhaps a low one, based on ur credit status and ur wealth. But i do respect anyone who can and pay's their bills. EVERYTHING LIVES OFF MONEY AND MONEY LIVES OFF NO ONE or NO THING!
@Repo-ed wrote:They went on to tell me that my card was swiped at a machine 2+ months ago, that was hacked, and all card numbers were stolen.
This happened to me a while back too, with BoA. I didn't even find out until I got home one night and got an email saying my debit card has been deactivated and to call immediately...then the guy told me that no charges were made, but apparently there was a breach at one of the merchants I just used and my card number was stolen. They sent a new one with no issues. I don't know how long ago the breach happened until they waited to tell me, but it seemed like pretty swift action on BoA's part, and I was really happy with their service. Could have been disasterous. Ever since then I've maybe used my debit card a handful of times; I'm much more cautious about it now.
I'm certainly happy they were actively monitoring my account for charges that were not on par with usual charges. I just wish if they had intended to deactive the card, just deactivate it and save them the resources of monitoring and me having to wait for a new one when I have no checks and never have cash on hand lol (Depsite having a coin and currency collection - the Irony)
@FloridaState12 wrote:
@Repo-ed wrote:They went on to tell me that my card was swiped at a machine 2+ months ago, that was hacked, and all card numbers were stolen.
This happened to me a while back too, with BoA. I didn't even find out until I got home one night and got an email saying my debit card has been deactivated and to call immediately...then the guy told me that no charges were made, but apparently there was a breach at one of the merchants I just used and my card number was stolen. They sent a new one with no issues. I don't know how long ago the breach happened until they waited to tell me, but it seemed like pretty swift action on BoA's part, and I was really happy with their service. Could have been disasterous. Ever since then I've maybe used my debit card a handful of times; I'm much more cautious about it now.
Breaches are rarely immediately disclosed (initial criminal investigations and other legal issues take precedence, rightly or wrongly); in the case of the 2 months occuring, comparitively, it took two years for UCLA to tell me my student record had been swiped... and that's a much more serious breach though educational institutions aren't held to the same federal mandates that financial and health-care ones are.
BOA's pretty good about fraud prevention: they correctly locked down my card when it had been stolen from an online retailer's database within 15 minutes of the first transaction hitting, and automatically backed the others out without question and re-issued a new card.
Chase was great for me one day I bought a TV on my debit yes my debit because I didn't have credit at the time and it was for like $600 as soon as I swiped my card and I mean within seconds I got a text saying to contact chase right away. About 30 minutes later they called me and asked if I made the purchase I said yes. Asked me a few other questions and said OK your card is now active again... I was like wait " my card was deactivated?" they said yes because it was outside normal spending so we put a stop on the card to make sure... And this was all on a Sunday
I have 2 debit cards (one for each regular bank I use) which I use all the time. Since I use my credit cards more as "debit cards" meaning if I charge something I pay in full within a week online, debit or credit makes no difference to me. Now, for online purchases I use a credit card only, but local purchases.....a debit card as often as a credit card. Note too, I don't really care about "rewards", too much effort for too little return for me at least.
@CS800 wrote:
@afbar1114 wrote:
i spend about 300-400 a month on gass cant wait for that bcpYou must drive a lot
I sometimes spend that in a week. And I don't drive for a living.
@Anonymous wrote:
@CS800 wrote:
@afbar1114 wrote:
i spend about 300-400 a month on gass cant wait for that bcpYou must drive a lot
I sometimes spend that in a week. And I don't drive for a living.
I used to average 3200mi/month; just so glad I avg 5k mi/yr $65/mo gas bill, now. I don't see how people afford $4/gal. That's insane.
I've even made the the decision that if forced to move away from my office due to home prices, I'll just continue to rent. The 3 mi/7 min drive is more valuable to me then a 1hr sitting in traffic drive and 300+ in gas, to just be called a home owner.