$6,000 from my debit card one Christmas... cell phones, jerseys from that large retailer of authentic jerseys... even cash at Western Union... so they had an address (where the goods were shipped) and western union has cameras and they require IDs... and the police told me 'nothing they could do'... that the bank would make me whole and that was the end of it.

(06-17-2016 12:14 PM)Hambone10 Wrote:  $6,000 from my debit card one Christmas... cell phones, jerseys from that large retailer of authentic jerseys... even cash at Western Union... so they had an address (where the goods were shipped) and western union has cameras and they require IDs... and the police told me 'nothing they could do'... that the bank would make me whole and that was the end of it.

Did the bank reimburse you? I know the rules for debit cards are stricter than credit cards when it comes to reimbursement.

(06-17-2016 12:21 PM)VA49er Wrote:  

(06-17-2016 12:14 PM)Hambone10 Wrote:  $6,000 from my debit card one Christmas... cell phones, jerseys from that large retailer of authentic jerseys... even cash at Western Union... so they had an address (where the goods were shipped) and western union has cameras and they require IDs... and the police told me 'nothing they could do'... that the bank would make me whole and that was the end of it.

Did the bank reimburse you? I know the rules for debit cards are stricter than credit cards when it comes to reimbursement.

yes... they used it as credit because they didn't have my pin... but it WAS my debit card, meaning tied to my balance in my bank.

Christmas eve phone call from the bank (like 11pm)

It's pitiful that a problem that can be fixed so easily is not. We asked the credit card company to make it where the cashiers in stores have to ask for ID. I'm more than happy to obliged. Still unfortunately, not all of them ask for it. When it comes to using it for gas the machine asks for my zip code. That might not be fool proof but it sure beats getting free gas without any hiccups.

Those credit card companies are just a "Bola de Pendejos". "A bunch of screwups".

Oh, and don't use that word pendejos when talking to nice people, it's not a bad word but it is frowned upon by some. Pronounced, pen deh hos.

(06-17-2016 12:56 PM)olliebaba Wrote:  It's pitiful that a problem that can be fixed so easily is not. We asked the credit card company to make it where the cashiers in stores have to ask for ID. I'm more than happy to obliged. Still unfortunately, not all of them ask for it. When it comes to using it for gas the machine asks for my zip code. That might not be fool proof but it sure beats getting free gas without any hiccups.

Those credit card companies are just a "Bola de Pendejos". "A bunch of screwups".

Oh, and don't use that word pendejos when talking to nice people, it's not a bad word but it is frowned upon by some. Pronounced, pen deh hos.

I actually have some insider info here, but the credit card companies are actually pretty brilliant. they're the ones that detect the fraud before you know it the vast majority of the time -- but it's invariably after fraudulent transactions. that stands to reason since, obviously, you can't detect something before it happens.

and it's always the credit card companies that detect a breach in company X's database long before company X ever realizes there was a problem. their detection algorithms, especially considering the almost unimaginable volume of data that they deal with, is other-wordly.

they typically err on the side of caution, and there is a downside to that. I have one credit card that has been canceled and reissued twice in one year because it was in the wrong database at the wrong time. I never saw an illegitimate charge.

(06-17-2016 01:12 PM)EagleX Wrote:  

(06-17-2016 12:56 PM)olliebaba Wrote:  It's pitiful that a problem that can be fixed so easily is not. We asked the credit card company to make it where the cashiers in stores have to ask for ID. I'm more than happy to obliged. Still unfortunately, not all of them ask for it. When it comes to using it for gas the machine asks for my zip code. That might not be fool proof but it sure beats getting free gas without any hiccups.

Those credit card companies are just a "Bola de Pendejos". "A bunch of screwups".

Oh, and don't use that word pendejos when talking to nice people, it's not a bad word but it is frowned upon by some. Pronounced, pen deh hos.

I actually have some insider info here, but the credit card companies are actually pretty brilliant. they're the ones that detect the fraud before you know it the vast majority of the time -- but it's invariably after fraudulent transactions. that stands to reason since, obviously, you can't detect something before it happens.

and it's always the credit card companies that detect a breach in company X's database long before company X ever realizes there was a problem. their detection algorithms, especially considering the almost unimaginable volume of data that they deal with, is other-wordly.

they typically err on the side of caution, and there is a downside to that. I have one credit card that has been canceled and reissued twice in one year because it was in the wrong database at the wrong time. I never saw an illegitimate charge.

Me too. One time they called us and told us that they were sending us new cards because there was a possibility that someone wanted to commit fraud. Another time the chip fell off by itself and we had to wait for our new one.

My wife always raised mortal hell about me getting cash out of the ATM several times a week. "Just use the debit card" she says. Up until a year and a half ago someone stole our info and racked up a bunch of charges in a short period of time. She hasn't complained as much since I pointed out it was more than likely stolen during one of her many uses of the debit card a day.

Since that time I don't even use our real card for online purchases. If I'm going to order something online I'll get one of the prepaid cards and use it instead. It's a little more effort but it ensures that anybody who goes to the effort of stealing our information from me wasted said effort.

(06-18-2016 07:30 AM)Kaplony Wrote:  Since that time I don't even use our real card for online purchases. If I'm going to order something online I'll get one of the prepaid cards and use it instead. It's a little more effort but it ensures that anybody who goes to the effort of stealing our information from me wasted said effort.

At my advanced age, shopping in malls is not a desirable activity. Over the past couple of tears, I have shifted a significant amount of purchasing to Amazon. Since the beginning of this year, we've placed 160 orders with Amazon. That is orders not items ordered. Last year we had 245 orders.

We got the Amazon Store Card which is only usable at Amazon (and provides a 5% discount to boot). Even in the unlikely event Amazon's data base was co-opted, the card couldn't be used anywhere else and I suspect that Amazon would shut down the cards almost immediately.

(06-17-2016 12:38 PM)Hambone10 Wrote:  yes... they used it as credit because they didn't have my pin... but it WAS my debit card, meaning tied to my balance in my bank.

This is why I never use a debit card to buy anything.





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I seem to remember someone mentioning using cash a means of security awhile back....

one can only hope the masses realize that data manipulation is fk'n everyone that relies on the USD in totality....

thank alowishus gore for that one too.....

criminals don't give two fks what yaz think should be the 'right way'.....be it violence, corruption, or greed.....

all I see is another pointless argument that should be understood by now....

(06-18-2016 07:45 AM)chargeradio Wrote:  

(06-17-2016 12:38 PM)Hambone10 Wrote:  yes... they used it as credit because they didn't have my pin... but it WAS my debit card, meaning tied to my balance in my bank.

This is why I never use a debit card to buy anything.





Sent from my iPhone using Tapatalk

I'm the same way, but for a different reason.

I don't use it because if I use an Amex or a credit card I get something for making that purchase using it. I get nothing for using a debt card.

Someone steals your card info and you can recover the money....minor inconvenience. Someone steals your cash....nothing you can do. It gone

(06-18-2016 11:04 AM)uofmcamaro Wrote:  Someone steals your card info and you can recover the money....minor inconvenience. Someone steals your cash....nothing you can do. It gone

Except explain to law enforcement why I've put three rounds center mass.

(06-18-2016 10:47 AM)HeartOfDixie Wrote:  I'm the same way, but for a different reason.

I don't use it because if I use an Amex or a credit card I get something for making that purchase using it. I get nothing for using a debt card.

There are some banks that offer rewards for debit cards, but now almost all credit cards offer some type of reward.




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(06-18-2016 11:08 AM)Kaplony Wrote:  

(06-18-2016 11:04 AM)uofmcamaro Wrote:  Someone steals your card info and you can recover the money....minor inconvenience. Someone steals your cash....nothing you can do. It gone

Except explain to law enforcement why I've put three rounds center mass.

....toss in the Irritation Renal System part of wasters too....

(06-18-2016 10:47 AM)HeartOfDixie Wrote:  

(06-18-2016 07:45 AM)chargeradio Wrote:  

(06-17-2016 12:38 PM)Hambone10 Wrote:  yes... they used it as credit because they didn't have my pin... but it WAS my debit card, meaning tied to my balance in my bank.

This is why I never use a debit card to buy anything.





Sent from my iPhone using Tapatalk

I'm the same way, but for a different reason.

I don't use it because if I use an Amex or a credit card I get something for making that purchase using it. I get nothing for using a debt card.

That's specifically why I used that card. I got lots of air miles

(06-18-2016 09:27 PM)Hambone10 Wrote:  

(06-18-2016 10:47 AM)HeartOfDixie Wrote:  

(06-18-2016 07:45 AM)chargeradio Wrote:  

(06-17-2016 12:38 PM)Hambone10 Wrote:  yes... they used it as credit because they didn't have my pin... but it WAS my debit card, meaning tied to my balance in my bank.

This is why I never use a debit card to buy anything.





Sent from my iPhone using Tapatalk

I'm the same way, but for a different reason.

I don't use it because if I use an Amex or a credit card I get something for making that purchase using it. I get nothing for using a debt card.

That's specifically why I used that card. I got lots of air miles

to both posts...this is the importance of maintaining cred(it)ibility....sacrificing greed relative to ethics does yield at times...

too many now are suffering from no ability to maintain those 'benefits'

you should've seen the looks on the feces (when I opened my mouth) in the cuntinental lounge once I obtained my stripes during my layovers in IAH on my way to SAN doing the TJ thingy....that equaled the hookers/strippers/fish tacos fonzies.....

it's too funny how most in positions of power only focus on 'knee jerks' coupled w/0 having the ability to evolve and construct....the masses don't have a chance.....it's the ones that do 'beer belly flops' that I enjoy laughing at....never enjoyed picking off the ones that apply and try with spirit and soul....

and dems sure as shite ain't gonna fix dat problemz

btw....my first ticket purchase (yeah, back then, I had to to charge to personal credit to travel to TJ....oh the irony of that)....I got popped for a 10K charge due to purchasing over the integer-nutzo-method-that-al-=thought=mo' better.....

I didn't pay for it....however, it easily sucked cuck-old once I got there and my phone blew up with +1 showing up on the screen...

that's where the 'stash' comes in handy

in the end, we "all" own ourselves in responsibility.....the problem is that the problem is no longer understood due to overall numbers of woofy woofs, monetary division, and abilities due to lack of proper evolutionary political structure....

figure that one out???????

bill gates will suck yours...so will everyone else....they'll b(l)ow, kiss either cheek/back hand, queen wave, you call it....

good luck with that one.....

it doesn't make a shite how smart anyone thinks they are at this point.....too many factors are defining the slide down the scale now.....

and it's happening right in front of everyone's feces.....

yep, I did that one just as a reminder for me in case I live long enough to see the dementia gene fully take effect....

kudos and

I got scammed too, I can't believe that Nigerian prince didn't hold up his end of the bargain. None of my credit cards have been valid since.