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Post by kandie on Aug 23, 2014 21:40:13 GMT
My card was compromised 9 months ago when I shopped at Target......now breached again at Shaws grocery.
i need a new card. I really am considering going back to cash. Thoughts?
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Deleted
Posts: 0
Oct 10, 2024 10:23:03 GMT
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Post by Deleted on Aug 23, 2014 21:44:21 GMT
My credit union only replaces the cards if there are actual fraudulent charges. Honestly this is part of life now. I'm not going to go to cash only because of scammers. It happens and all fraudulent charges are covered so I just don't let it get to me that much.
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Deleted
Posts: 0
Oct 10, 2024 10:23:03 GMT
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Post by Deleted on Aug 23, 2014 21:48:38 GMT
No but I am considering getting a CC just for recurring charges (gym, directv and background check firm) so I don't have to change those when my regular CC gets compromised.
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Post by kandie on Aug 23, 2014 21:49:16 GMT
Ah good point!
My credit union is doing this proactively as there has not yet been fraudulent use of my card.
You offer a great point though!
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scrapaddie
Drama Llama
Posts: 5,090 
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Post by scrapaddie on Aug 23, 2014 22:13:43 GMT
No but I am considering getting a CC just for recurring charges (gym, directv and background check firm) so I don't have to change those when my regular CC gets compromised. But I had a card that had NEVER been used, never out of my house used fraudulently'! |
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Post by padresfan619 on Aug 23, 2014 22:17:08 GMT
Cash purchases offer no protection whatsoever. Be very careful and keep ALL receipts if you decide to go cash only.
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Deleted
Posts: 0
Oct 10, 2024 10:23:03 GMT
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Post by Deleted on Aug 23, 2014 22:26:42 GMT
No but I am considering getting a CC just for recurring charges (gym, directv and background check firm) so I don't have to change those when my regular CC gets compromised. But I had a card that had NEVER been used, never out of my house used fraudulently'! Yup thieves don't even need the card to use it. They have programs that just run through card numbers. It is all automatic in the bigger theft rings these days. |
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Post by Basket1lady on Aug 23, 2014 22:53:53 GMT
I'm tired of it, too. First the Target breech, and now I was in the PF Chang breech. Grrr. I've been to PFC exactly once, and the wait staff was horrible. My 15 year old DD still talks about it. Neither card was used, but BOA automatically issued new cards to me.
I have gone to using a CC rather than a debit card. So at least I don't have to change my checking acct or any of that if my acct is actually used fraudulently. I went through that about 10 years ago. Now THAT was a PITA. I won't stop using CCs because I do like the convenience. But I can no longer rattle off my CC number like I used to be able to do.
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Post by baslp on Aug 23, 2014 23:27:52 GMT
I aso had my card breeched at Target. Today the bank shut down my check card due to fraud I picked up on when I checked out acct. Later my Mastercard was shut down due to fraud. Someone used it quite a bit for something called local calls. Now I have to wait 3-10 business days to get the new cards. Guess I will be writhing checks for things until they arrive. So feel your pain.
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Post by Giraffe on Aug 23, 2014 23:31:42 GMT
I haven't used a debit card for about the last seven years. If my credit card is used fraudulently, there is no money coming out of my checking account, so I don't have to worry about the money being put back in my account in a timely manner. It's a pain when I have to get a new credit card, but it would be way more of a pain if it were tied to my checking account, like a debit card is.
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jenkate77
Full Member
Posts: 427
Jun 26, 2014 1:33:16 GMT
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Post by jenkate77 on Aug 23, 2014 23:58:35 GMT
No but I am considering getting a CC just for recurring charges (gym, directv and background check firm) so I don't have to change those when my regular CC gets compromised. But I had a card that had NEVER been used, never out of my house used fraudulently'! Me too! We sold our house and had a decent sized chunk of money in the bank waiting to use to landscape our new house. Brand new account, card never used... and then one day I staretd gettin overdraft notices. The entire thing, drained in two days in California. Took us almost a month to get everything restored. I'm so glad it wasn't an account we use regularly! |
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mallie
Pearl Clutcher
Posts: 3,253
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Post by mallie on Aug 24, 2014 0:26:06 GMT
At one point, ours was breached three times in 6 months. We got rid of the debit card and use credit cards now.
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