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Debit Card hacked
- Thread starter pbm
- Start date
If a place charges a fee for a credit card I do one of two things, pay cash, or go somewhere else. My credit card is paid in full five days before the balance is due. If there is a lot of activity on the card during the month, like I paid my auto insurance or homeowners policy for the year I might make a payment or two before the usual payment. It's a hang up of mine, nothing more. Bottom line I see zero reason to have a debit card.
Always so interesting to me how BITOG hates debit cards. It's all I ever use. I only keep $300 on it. 2 attempted frauds over the last 10 years WF has caught after 2 transactions and shut off the card. Then called me after starting the process to send me a new one. All money returned promptly.
Credit card companies have always charged the vendor for using their cards, but businesses have learned instead of building it into their price, to add the charge onto their retail price. Better yet, build it in and charge an additional fee.
Gas pumps have gotten much worse. Often you'll see a big sign with a price, but in small print, it will say "Cash". Once you insert a credit card, the price can change as much as a dollar per gallon. Recently, there's been quite a few news' organizations reporting on this.
Hacking, social engineering, etc. Many, especially younger and the oldest among us, trust others they're talking to, especially when it's "the fraud department".
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- Jul 10, 2022
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- 5,930
Agreed and I’m finding entities other than restaurants charging a fee to be new to me.
I learned the hard way with AMEX. Paid a $30? Balance one day late. Penalty interest, late fee, and forfeiture of cash rewards points over $100.
I set every single account other than utilities to pay statement in full after that incident.
AMEX did reverse everything but it was a hassle. And you can imagine the lecture from Bitog—why would you expect them reverse everything on your mistake etc? Courtesy, that’s all. It still is a concept in 2025.
I’m not sure how to not have a debit card for my online banking. I never activated it and it was used. So I suspect they had a breach and consequently reversed the withdrawal. But again no explanation nor assurance prior. That stinks when we’re a victim of fraud.
A few weeks ago I used my AmEx at a hotel for the contingency room fees. It was $50. Three weeks after checking out, the fee was still showing as pending. I called the hotel and the manager said it was released when I checked out, so I called the card issuer and was told AmEx just implemented a new policy related to these fees where they will not release the fee from Pending for 31 days! WTH???
Sorry to hear about your daughter.
Really Hard lesson learned. Never use debit cards to purchase, it’s a “direct line” into your bank account.
ALWAYS USE CREDIT CARDS and no one can ever empty your bank account.
Furthermore you are not responsible for any charges you do not make.
Really Hard lesson learned. Never use debit cards to purchase, it’s a “direct line” into your bank account.
ALWAYS USE CREDIT CARDS and no one can ever empty your bank account.
Furthermore you are not responsible for any charges you do not make.
YUP...
Owen Lucas
$100 Site Donor 2023
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- Sep 5, 2021
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- 3,588
Maybe it’s best to withdraw money from the ATM inside the bank. It’s less likely that machine has been tampered with.
+1 While a credit card being hacked is annoying, they can't empty your bank account, and not being out any money is a big plus.
$300 wouldn’t even cover one weekly trip to the grocery store for us. Let alone all the bills we auto pay with the CC.
The house is playing with your money (ie loaning out your savings acct as their own while taking the lions share of the interest for themselves.) So why not play with the house’s money too?
All my bills auto pay out of a separate checking account. I would never tie anything to a card I carry around. So $300 is spending money, if i need more i take 1 minute to move it.
I want the money i spend to come out immediately. I don't want to track what I've spent since my last credit card bill. Just personal preference. The tiny return i could get from a credit card does nothing to persuade me away from a system that works for me.
- Joined
- Mar 20, 2025
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- 81
You might be talking to actual fraudsters in India, not the actual bank. Go to a bank branch and speak to someone in native English with long pants on and get this resolved. Any big bank will not charge you a thing and get this resolved immediately. Read the link below. Did she report it after 60 days?
https://ask.fdic.gov/fdicinformatio...rized-charges-on-my-debit-card?language=en_US
https://ask.fdic.gov/fdicinformatio...rized-charges-on-my-debit-card?language=en_US
Same. I 99% use my debit card but always selected as 'credit'. 15 years of having it and only twice has the card number stolen, once when somebody tried to use it to pay their verizon bill in california and another a few weeks ago where I'm sure the local Smoothie King worker swiped the card when I went through the drive thru. Both times Chase caught it immediately and didn't let the charges go through.
My debit card stays tucked neatly inside my wallet unless I am at a Chase branch ATM to get cash. I don't use it for purchases at all, considering I get cash back on my credit card and I don't get any benefit for using my debit card. Both of my siblings have had their debit cards hacked more than once, my sister primarily at gas stations. I tell them to stop using it, but old people get set in their ways. I don't want to deal with any kind of fraud that involves my bank account.
If it works for you then keep doing it. But you seemed perplexed as to why so many use CCs so my response was not to change your mind but to explain the thought process behind using CCs.
Great post, I love factual information.
It almost sounds like the OP post is wrong based on this. We need more clarity from him.
The link says she is reasponsible for up to $500 if she didnt report a lost or stolen pin within 2 business days. (but it gets dicey with the words "after learning of the ...)
and ...
if she doesnt report the fraud for 60 or more days she would be responsible for the entire amount.
From your link-
*LOL* Old people get set in their ways? I think the complete opposite. Every store I am in I see young and old punching in pins. Its comical.
I agree 1000000% on the use of credit cards and cash back. I posted in here (and many others too) that I got tired of posting how much money I get in cash back every year. I mean it's stupid simple. For my wife and I it comes to well over a thousand maybe. I use that money to buy stuff that I may not have bought otherwise.
Anything in life that we buy gives us at the very least, Citicard 2% cash back.
From there then we go into Discover with rotating 5%, Chase with rotating 5%, a different Chase with 5% on the highest category spending for the month, AMEX for 3% on gas and groceries (if the other 5% doesnt cover it. Plus a Capital One my wife has for a min of 2%
I use debit card for one purpose, to get cash from a cash machine a few times a year if that much, which is a must as my bank is in another state someplace, dont even know where. We are almost completely cashless now since it cost us to use cash vs cash back credit card.
