Happy ending. I went to my nearest credit union branch (1.5 hours away) and filled out the report on Saturday morning. I got a new crad and had my money backi n my account by 1500 yesterday (Monday). Luckily it did not drag on like it could have...... I only use PayPal while online, so it must have been stolen in a restaurant or other physical place.
Check card number stolen!!!!
- Thread starter Redhook98
- Start date
douglee25
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Good to hear!
Doug
Doug
In some stores, the "CREDIT" button is even hidden on the customer interface terminal. You have to tap the blank spot to get credit. I have noticed this at Office Depot, Lowes and a couple local grocery stores.
Glad to hear it. Too bad they will probably never catch who did it, or even try to. Oh well, at least you got it fixed.
Don't you have to put in a PIN when you use a debit card?
Isn't the PIN step kind of obvious?
I personally don't know, because I don't have a debit card. I never saw the point; except to mess up my check book balance.
Yes, you do have to use the PIN for Debit. It is cheaper for the stores to run the sale as Debit. Most people have CheckCards (with Visa Logo). These cards can be run as CREDIT with NO PIN Needed- only a signature. The advantage for the consumer to use credit is that the money is not taken from your accoutnt for a few days so that can help with interest and you sometimes get benefits such as purchase protection, points, etc, if you run the transaction as Credit.
Back to my original point, some retailers try to discourage running a CheckCard as Credit because it costs them another 1% or so. They make it a difficult step or hide the button all together in some cases.
I am not sure how many people still use checks. I do to pay some bills only. I have a feeling in the next 10 years or so, checks may be eliminated completely in favor of electronic transactions. That is obvious to see by some of major check printing companies merging. My Dad was laid off from Clarke American years ago when the first wave of CheckCards hit the market. They eventually closed the plant all together and downsized big time.
There have been rumors for years that the FED will eventually go to a 100% electronic system and eliminate cash/checks/paper all together. I think that will happen at some point but not in the next 10 years. This will change the dynamic of everyone from drug dealers to kids mowing lawns and enable the govt to collect tax on ALL income that is paid or collect sales tax when you have a yard sale, etc. I guess then the barter system will grow.
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douglee25
Well-Known Member
Yes, I have seen that too!! Just this past weekend as a matter of fact. Most of the machines actually require the consumer to push 'cancel' in order to get to the next screen where the store gives you the option to select 'credit'.
Pins are only necessary when the card is used as a debit card. Most debit/check cards can be used exactly like a credit card where the cosumer only needs to sign, not punch in a pin code.
I actually just made up my mind in the past month that I am going to stop balancing my check book. At the end of the month, I would typically have a pile of receipts to enter into the check book. I would spend 3 hours balancing it all out... every month! Out of habit I would follow through, but I always questioned what the actual point was? I always ended up with the same number that was available to see online. I also receive a statement either online or in the mail each month that has every transaction shown. Again, always balances out to what I had in my check book. I am just not seeing the point anymore? Plus nowadays, the entire monthly statement can be downloaded to Quicken or similar accounting software packages. Again, not seeing the point of the balancing the check book anymore? Back when the banking industry was not electronic, balancing a check book had much more use as a verification step in order to compare to what the bank had recorded. Another option is to avoid the check card totally and just use an actual credit card for your entire month's purchases. At the end of the month all you have to do now is cut one check (or bill pay) for that bill. Now you still have record for the entire month's transactions via the monthly statement and you avoid potentially having to fight with your bank should you check card number be compromised. It's still probably a little easier to fight with the actual credit card companies for lost money than it is to fight with the bank for physical cash stolen from your account.
Doug
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Nehalennia
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http://www.wreg.com/videobeta/?watch...a-1884ec348310
I work in security and for those concerned about this we recommend that you get the sleeves to protect your card from unauthorized scanning.
http://www.rfid-shield.com/products_cc.php
Another way to protect your card is here in WA St. there are new "enhanced" driver's licenses (acts similar to a passport) which have an RFID chip in them. The State issues a shield with each enhanced License. If you live in WA you may be able to go in and get a replacement for a nominal cost.
I work in security and for those concerned about this we recommend that you get the sleeves to protect your card from unauthorized scanning.
http://www.rfid-shield.com/products_cc.php
Another way to protect your card is here in WA St. there are new "enhanced" driver's licenses (acts similar to a passport) which have an RFID chip in them. The State issues a shield with each enhanced License. If you live in WA you may be able to go in and get a replacement for a nominal cost.
Todd, for me anyway, that link is playing the story of a house fire.
I was able to find it on the site. Great post Todd.
jamesgang
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Another thing to be careful about:
My wife stopped at a crowded gas station one evening, inserted/retrieved her debit card then discovered that the way she had to park the gas hose would not reach the gas inlet. After some cursing, she canceled the transaction (twice) and noticed a young lady in another car watching her as she moved to another open pump. After filling the tank the young lady pulled up beside her and told her that the man in line behind my wife at the first pump had used the pump and she didn't see him pay and that the amount was $33.50. My wife looked over at the pump, saw no one there and thanked the young lady. As soon as she got home she checked the bank account and to her delight, her purchase was the only one made at that gas station.
So be careful that your transaction IS canceled when you cancel it.
My wife stopped at a crowded gas station one evening, inserted/retrieved her debit card then discovered that the way she had to park the gas hose would not reach the gas inlet. After some cursing, she canceled the transaction (twice) and noticed a young lady in another car watching her as she moved to another open pump. After filling the tank the young lady pulled up beside her and told her that the man in line behind my wife at the first pump had used the pump and she didn't see him pay and that the amount was $33.50. My wife looked over at the pump, saw no one there and thanked the young lady. As soon as she got home she checked the bank account and to her delight, her purchase was the only one made at that gas station.
So be careful that your transaction IS canceled when you cancel it.
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JimG
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My AMEX card number was hacked this afternoon... looks like I was in Germany and tried to buy some Avon products on-line to the tune of $1,000 total :smt021
Fortunately they caught the charge attempts before they posted to my account. :thumbsup:
Fortunately they caught the charge attempts before they posted to my account. :thumbsup:
In terms of checks. . .I think that happened in 2007. Has anyone gotten a cancelled check from a bank lately? I don't think so. In many cases, if you send a company a check, they will actually process an ETF directly against your checking account (just like you ran a debit card. . just like if you called them up and said "Take the money directly out of my account). I think I have seen this at some super markets as well. They "run" your check at the register before the check is even put in the drawer.
This is how I operate. I will use a credit card for bubble gum if I can get away with it. At the end of the month, I just authorize one "eCheck" with online banking, and the money is withdrawn from my account on a predetermined day.
Usually, I do an entire month's worth of bills at my computer, and do not use any stamps unless I have a tax bill of some sort.
I "balance" my checkbook only to determine "categories" for budgeting purposes. I also download CC transactions for this purpose.
In Europe, most credit cards have RFID chips. In fact, in many places they will ONLY accept cards with RFID chips. It can be nuisance for an American. I think the U.S. the RFID chips have not caught on because the fraud level is not high enough to justify the cost of changing systems.
billnpat
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JimG
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Yep... I check all accounts at least 3 or 4 times a week... pay most bills on-line. :smt024
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JimG
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I use the debit card allot so I do balance my check book... I have a great little Excel sheet that does all that and more... real easy! :thumbsup:
