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Post by tuva42 on May 20, 2023 14:59:56 GMT
Make sure your phone, laptop, tablet, device, do NOT store your credit card data. Yes, it makes it super easy to fill in the credit card info when you want to buy something, but it also makes it super easy for hackers to access it if you log into public wifi.
My husband leads a team that writes the code that goes on encryption cards that banks and government agencies use. He HATES putting apps on his phone. He says that every app you add to you phone is another way for others to gain access to your information. If you have your banking app and your credit card app on your phone, think very carefully about every other app you add to your phone, particularly ones that ask for permission to access things on your phone.
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Post by busy on May 20, 2023 15:04:19 GMT
Make sure your phone, laptop, tablet, device, do NOT store your credit card data. Yes, it makes it super easy to fill in the credit card info when you want to buy something, but it also makes it super easy for hackers to access it if you log into public wifi. The better choice here is never ever use public wifi. It’s a terrible security risk for many reasons; this is just one of them. |
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Post by MichyM on May 20, 2023 15:57:41 GMT
I have a question about Paypal. My laptop is a PC so I cannot use Apple Pay on it. Only on my phone or ipad. In those circumstances, is using Paypal a better choice than using my CC on the retailer's site?
I have avoided Paypal for 20+ years except when making a purchase where the person insists on using them. When PP first started out they totally messed up, causing a huge financial headache for me. I try not to use them on principle (all these years later) but if it helps protect my CC info, I'm willing to try them again.
Thanks!
ETA: this would be a CC transaction through Paypal. PP would never have direct access to my bank accounts.
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artbabe
Pearl Clutcher
Posts: 3,374 
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Post by artbabe on May 20, 2023 16:11:20 GMT
In those circumstances, is using Paypal a better choice than using my CC on the retailer's site? I have avoided Paypal for 20+ years except when making a purchase where the person insists on using them. When PP first started out they totally messed up, causing a huge financial headache for me. I try not to use them on principle (all these years later) but if it helps protect my CC info, I'm willing to try them again. Thanks! My dad had his credit card compromised and one of the first thing the hackers did was mess with his Paypal account. He lost several thousand dollars on Paypal for things he did not buy. He never could get any resolution from Paypal- they were completely unhelpful in closing the account and/or getting his money back. |
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Post by katlady on May 20, 2023 16:45:24 GMT
I have a question about Paypal. My laptop is a PC so I cannot use Apple Pay on it. Only on my phone or ipad. In those circumstances, is using Paypal a better choice than using my CC on the retailer's site? I have avoided Paypal for 20+ years except when making a purchase where the person insists on using them. When PP first started out they totally messed up, causing a huge financial headache for me. I try not to use them on principle (all these years later) but if it helps protect my CC info, I'm willing to try them again. Thanks! I am a long time user of PayPal, back when they would put a supposedly lifetime limit on your account if you didn’t attach a bank to your account. I came close to the limit several times and they never shut me down. Anyways, in the almost 20 years of using them, I haven’t had an issue. I use them instead of giving individual retailers my credit card number. And I’ve never given them my bank account information. |
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Post by cmpeter on May 20, 2023 16:50:19 GMT
I have a lot more confidence in my cc (Amex) protecting me and disputing fraudulent transactions than I do PayPal.
Answering your original question, I have had an Amex card since 1980 and think it's been replaced 2-3 times for fraud. I use my card for everything (constantly working to acquire frequents flyer miles).
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Post by katlady on May 20, 2023 16:53:50 GMT
I have a lot more confidence in my cc (Amex) protecting me and disputing fraudulent transactions than I do PayPal. Answering your original question, I have had an Amex card since 1980 and think it's been replaced 2-3 times for fraud. I use my card for everything (constantly working to acquire frequents flyer miles). Since I use a credit card with PayPal, I would go to my CC company, along with PayPal, if I needed to dispute a fraudulent charge. |
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Post by Basket1lady on May 20, 2023 17:05:32 GMT
I do use PayPal, but it’s not attached to my bank account. I use a CC on the account, not my bank account. I don’t use it very much, but I do use it for small businesses and online businesses that I’m not familiar with.
In general, I use a CC that has travel/cash back rewards on it. It has fraud protections on it and isn’t attached to my bank accounts like a debit card would be. When it gets hacked, I just change the account information and carry on. The first time I was hacked, I was appalled, but it’s happened enough times that it’s become normal. What a world we live in.
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