Have to keep it clean RANT

Papa_Jon

Papa_Jon

non speller
Joined
Jul 27, 2007
Location
China Grove
OK for the second time someone got my bank card number, First time the took me for little over 1100 in on line charges, the biggest being 2.86.. Now this time it was 10 charges of 100. even at a target in CA..
Bank is making it right, but freak sake how are they getting my info. I don't pay anything on line expect Nc4x4, Parts train, and a couple other parts stores...
Only thing I can figure it’s got to be at a place I go to often
Think I'm going to do away with Bank card totally
 
It may not be online purchases. Do you use it locally, at gas stations, cash registers, etc?
When I lived in Lewisville, there was a whole spat of cards getting hacked, turns out somebody had tapped a couple local merchants' connections to steal the numbers from transactions.
 
Your bank should have insurances for this? It happened to me once with a bunch of charges out in California. My bank caught it before I did and covered every penny.
I'd call the bank. They should have caught it before YOU did...
 
lol, you should see our convo in the garage =)

by the way..a friend of mine had a monitech device on his car about 5 years ago. Apparently they lost the computer that was installed in the car......which had his ID and info on it.....



they sent a letter to MY house explaining that they had lost his info. lol..surprise! how did they even get my address. no wonder ID theft is so easy.
 
^^ i have a breathlyzer from monitech, just got a letter from them last week saying one of their laptops w everyones info on it got stolen, cc numbers drivers license numbers ss numbers etc. Kinda has me freaked out but its not like theres much in my accnt anyways. Why in the world would you carry information like that on something mobile....
 
Shut up Reid... Yea the bank is taken care of it, but I am totally lost with out my cards, if I have cash on me I spend it, both times I caught it before bank did... This time I went to fill up and it said decline so I thought it was just a mistake on my part try again same thing...


Yea I think its someone I normally go to in person that has a problem
 
Hope I'm not missing the point here, but... a good number of years ago, when all this bank card stuff was new & green, an older, well-seasoned bank manager gave me this advice. I have lived by it, and I have never once had a problem.

A bank card (debit card) is a gateway to your personal bank account. It is your money that gets lost or tied up in the event something wrong/illegal takes place. Use your debit card carefully/only for transactions you have direct/positive control over.

Get a credit card with a limit (which you can control), and use it for all other transactions such as internet purchases, handing a card to a waiter/waitress (where you can't see what is happening beyond your line of vision), etc. If a wrong/illegal transaction is charged to that card, it is their money (not yours) that is lost or tied up for an unknown period of time.

This is good solid advice, and I would recommend it to any and all. Good Luck! :)
 
x2 on what Granny said.

This is another good reason that nearly all our day-to-day purchases go on the CC.
 
I have One CC only used in Emergancy I used to have apocket full of them, each month it felt like i was living to pay them off. best way i learn to save and not over spend is to only spend what you have. I have a few diffrerent accounts at 3 banks that each month money goes into. So hopefully when If I reach 60 i can retire and be able to live the life I want to as well as leave some for my kids
 
Papa_Jon said:
best way i learn to save and not over spend is to only spend what you have.
Click to expand...

You already have the correct answer to managing a credit card (quoted above). :)

There's hardly a month goes by that I don't use my credit card, BUT (as you stated), if I don't have the money to pay for the purchase, I don't make it... PERIOD. I have never, in my entire life, paid one red cent of credit card interest to anyone... and never will. A credit card can also be a very handy little tool to have in your wallet, especially if traveling any distance at all away from home.
 
Doing away with debit card is an idea. At BB&T i have my checking and savings account linked. I could spend on my credit card, and move money into the credit card account on the same day. Then again....thats kinda goes against a stand im making somewhere else :handed:
 
Yea i understand and will never pay CC interest. I have a large (to me) sum tied up in a Money Market account which is set up to where no matter what cant be touch untill 2020, I can with draw it but i forfit alot and pay alot of fines.
Thank god there is no CC or debit card to that account it would have killed my whole old age plan..



Bank just called I am not only one hit in the area, that is all info that she would say, Money is back in my account now..

All the charges came from a Target in san diego Ca, they showed as a keyed in CC and as a pinless debit ?
 
Papa_Jon said:
Yea i understand and will never pay CC interest. I have a large (to me) sum tied up in a Money Market account which is set up to where no matter what cant be touch untill 2020, I can with draw it but i forfit alot and pay alot of fines.
Thank god there is no CC or debit card to that account it would have killed my whole old age plan..
Bank just called I am not only one hit in the area, that is all info that she would say, Money is back in my account now..
All the charges came from a Target in san diego Ca, they showed as a keyed in CC and as a pinless debit ?
Click to expand...


just for my peace of mind I had all Bank accounts and CC froze and changed, So for 3 more days all i have is cash :)..
So I am not allowing myself to go any where with cash in hand ugh :shaking:
 
A couple of years ago I got a call from my banks customer service that my back card had some questionable activity. There had been one charge for $.50 and then about 3 hours later a charge for $1100 for an airline in Germany.I called the German airline and got some Jamaican sounding people that I never got anywhere with. I went to my bank and they immediately refunded my money. I found out later that the bank manager had used several accounts to buy things and is now doing time in jail. Bank has since been bought out.
 
i agree, i think it is somewhere you go often. pay with your card at a sit down restaurant? i didn't think about it til my fiance told me not to use it at restaurants where the waitress takes the card and pays. all they need is a pen and they got your bank account.

wait.... how and why did Target let somebody pay just using a number and running it as credit?? thats scary.

on my bank card, instead of signing it i write CHECK I.D. on it. some places check, some dont.
 
goto the 3 main credit score web sites and issue a fraud alert. It locks any new credit from being established for 90 days. They can lock it longer with a police report.

As to checking ID.... Old High School friend back home is unhappily working for Walmart. She gets yelled at for checking IDs and questions the validity of the id... She's instructed in training that she can be held accountable but then management yells at her for checking things She is smart girl, went to college etc.. (ya i know working at walmart, long story) But she is literally told not to compare the face and name to the person presenting it, or compare it to the name on the card presented. Basically go through the motions but do nothing...


The real problem with not signing your card is if someone swipes your wallet there is no signature (on the card) to compare it to what is being signed.
 
Im not sure if this could be a possibility for you or not but a few years ago someone got ahold of my card number and went on a spending spree all the way to florida, after dealing with the bank and getting everything resolved they said it had been taken from a "skimmer". These skimmers are little card readers the theives put over atms and gas pump card readers and when you insert your card to pay it reads the info on the way in and sends the numbers to theif. Heres a little thing that explains it better.

http://www.snopes.com/fraud/atm/atmcamera.asp

Ben
 
yager said:
goto the 3 main credit score web sites and issue a fraud alert. It locks any new credit from being established for 90 days. They can lock it longer with a police report.

As to checking ID.... Old High School friend back home is unhappily working for Walmart. She gets yelled at for checking IDs and questions the validity of the id... She's instructed in training that she can be held accountable but then management yells at her for checking things She is smart girl, went to college etc.. (ya i know working at walmart, long story) But she is literally told not to compare the face and name to the person presenting it, or compare it to the name on the card presented. Basically go through the motions but do nothing...


The real problem with not signing your card is if someone swipes your wallet there is no signature (on the card) to compare it to what is being signed.
Click to expand...

Wally world probably gets to keep the $$ even if it turns up as fraudulent, sounds like they don't care if it's stolen $$.

As for the signature on the back, no two of mine are ever alike anyways (or close)...

I just keep enough $$ in my checking account for what I need, or can afford to lose (until bank reimburses) IF something happens, normally $500-$2000. The rest of my $$ stays in a money market, not tied to the checking account. I do try to always tell places to run the debit as a credit card, guess it has more 'protection' if run as a credit card, which I feel better about it anyways because I don't like entering my PIN.
 
Tacoma747 said:
Wally world probably gets to keep the $$ even if it turns up as fraudulent, sounds like they don't care if it's stolen $$.
Click to expand...

It's a violation of Visa and Mastercard's merchant agreement to ask for ID when you swipe a card.
 
Shawn said:
It's a violation of Visa and Mastercard's merchant agreement to ask for ID when you swipe a card.
Click to expand...

It plainly states in our agreement that not checking Id could result in non-payment as well as the revocation of our merchant account. I wonder how that works
That is if the card isn't signed.
 
Shawn said:
It's a violation of Visa and Mastercard's merchant agreement to ask for ID when you swipe a card.
Click to expand...

False, it is a violation of the merchant terms of service to demand or require an ID, not to ask for an ID.

Slight variation, but it is also the repsonsibility of the merchant to make reasonably sure they are transacting with the rightful card owner.
 
Ron said:
False, it is a violation of the merchant terms of service to demand or require an ID, not to ask for an ID.
Slight variation, but it is also the repsonsibility of the merchant to make reasonably sure they are transacting with the rightful card owner.
Click to expand...
This is what are CC people told us, It is are repsonsibility to make sure customers are who they said they are
 
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