Check Your Bank Account !!!! Look Out!!!!!!!

[KOPBET]

If you think your protections are great on a DC, that's good. Liability is usually limited unless you fail to notify the bank in a timely manner. And, be sure to ask your bank just how long it would take to get your money put back in your checking account after it gets substantially drained. Don't forget you may also have to get a police report and file an affidavit of fraud in most cases. All this takes time and be a few days to a week or more. Bills could be late, or in a bad case you may not be able to buy things you need right now.

 

[RidgeHunter]

My card was hit with with train tickets in France for a few hundred bucks last spring. Bank shut it down immediately and called me as they tried to sign up for multiple online dating sites. Went in, signed a piece of paper, they gave me the money back. No big deal and great service from the bank. If your bank won't protect you from debit card/account fraud without hassle, then you need a new bank.

F*uck credit cards on general principle. I've never had one and never needed one - mainly just to annoy people who say "you gotta have one".

 

[Okie4570]

My card was hit with with train tickets in France for a few hundred bucks last spring. Bank shut it down immediately and called me as they tried to sign up for multiple online dating sites. Went in, signed a piece of paper, they gave me the money back. No big deal and great service from the bank. If your bank won't protect you from debit card/account fraud without hassle, then you need a new bank.

F*uck credit cards on general principle. I've never had one and never needed one - mainly just to annoy people who say "you gotta have one".

My bank did the same last spring, only it was train tickets in England, and a motorcyle parts place in NV.

 

[RidgeHunter]

Dang train ridin' Eurotrash hobos.

 

[faerielady]

I don't have a CC because I don't trust myself with one (I'm still digging out of a debt hole from my wasband). I've also had my DC information used online once, and had it cloned once. Thankfully the credit union caught it both times, the charges never went through, and I was able to go to the branch and get a new card the next day instead of having one mailed.

 

[RidgeHunter]

I trust myself with a credit card, I just have a deep-seated and largely irrational hatred of them. Probably for being the predatory scourge of the lower middle class.

 

[CHenry]

F*uck credit cards on general principle. I've never had one and never needed one - mainly just to annoy people who say "you gotta have one".

I agree. I dont have a card and havent in years. No debt for me other than my mortgage.

 

[KOPBET]

F*uck credit cards on general principle. I've never had one and never needed one - mainly just to annoy people who say "you gotta have one".

Kinda the way I am with debit cards. Who needs them. They provide no benefit to me and only add more risk. I don't have CC "because I gotta have one", I just use it as a tool like others use their DC. I use mine like a DC except I don't have to pay until the bill comes in. No trouble paying it off since I never used the money in my account during the month by using a DC or checks so there is never any debt longer than a month. No interest either. Plus every once in a while I browse the Visa rewards catalog to get something nice I want.

Don't forget about stop-pay on transactions. Ain't gonna happen with a DC since they are guaranteed funds once the transaction is approved. Your money is now in the hands of the merchant, so is your potential refund if there is a problem.

 

[faerielady]

Guess I should mention that I don't trust myself with a CC because sometimes I forget and pay something late, and with my bad credit from my previous marriage I'd get a high interest rate, so I'd end up paying interest for the convenience of the card, which would p*ss me off. That stuff tends to snowball.

Holy run-on sentence, Batman!

 

[Bigman405]

My bank called me at ten pm on year to tell me if I used $600 at Walmart . I said yes ,I bought new tires for my pick up. Also went to Germany last year and used my debit card. Bank froze my account. They did it because I didn't tell them I was going to another country so they thought it was fraud. Arvest is a good bank.