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  #1  
Old 12-21-2015, 12:36 PM
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Default A tip for credit/debit card owners

Always setup alerts for transactions and take cash on trips vs using cards

I'm back In my stomping grounds of upstate NY but vacationed in DC and NYC on the way here. Knew better then to use my card in those places as you never know who's going to copy your card and steal the numbers. Took out cash before I left and used that but had to use my card a few times as cash wasn't an option .

Now comes in text/email alerts. I always setup cards to email or text me when a transaction occurs. This allows me to double check purchase amount vs receipts on the spot and to know if a charge occur that I didn't do .

Sure enough I wake up to an alert saying I was in Texas buy $1,378.94 worth of makeup from a place called nerium skin care . Apparently I need to get pretty fast.

The issue now Is that it was an online purchase (debit, no pin) so I have to wait for the transaction to go from pending to complete then dispute.

I have fraud protection but it's not instant refund lol. I'm waiting for the order number to see what makeup I ordered and where its being shipped to now . So just a friendly reminder

Last edited by colorblind83; 12-23-2015 at 01:27 PM.
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Old 12-21-2015, 12:41 PM
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My strategy is not absolutely NEVER use a debit card for any reason other than a very well known ATM machine; typically my issuing bank. I use credit cards for everything else.

Credit Card protection is fantastic... and if you are disciplined & pay it off every month there are no disadvantages compared to debit and often you'll gain points. I use credit cards for every purchase. Good example... I got the MasterCard from Sam's Club & it pays 5% back on gas, 3% on dining out, and 1% on everything else... I dine out & buy alot of gas so I get back a few hundred bucks a year -- it's awesome. Interest rate sucks on the card but it gets paid off monthly.

I can't even count the number of times I've had to get my credit cards replaced due to fraud -- but the cool thing is I've absolutely never been liable for any of it & it's never had ANY impact on available funds in my bank account.
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Last edited by sundownz; 12-21-2015 at 12:45 PM.
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Old 12-21-2015, 12:50 PM
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I have no credit cards just my debit through PayPal which connects to my bank. So if PayPal doesn't have The amount requested it rolls into my bank which is fine unless someone wasnts makeup
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Old 12-21-2015, 04:33 PM
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I don't know Jeff. Could be you are a pimp. And you brought all that makeup, to spice up your girls to make, even more money for Christmas. Can't fault you though
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Old 12-21-2015, 04:42 PM
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^^^the truth shall set you free^^^
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Old 12-21-2015, 07:34 PM
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When we went on vacation, my wife called the bank letting them know that we were indeed going on vacation and more than likely using our debit cards a lot. This way, they don't put a freeze on our cards.

Just another idea.
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Old 12-22-2015, 06:55 AM
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Just heard on the radio today
A credit union by me had their atm bugged and as many as 200 people had their accounts cleared
This was at the bank

Your money isn't safe
Aaaahhhhhhhhhhh
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Old 12-22-2015, 07:19 AM
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I used a Visa card thur my credit union.. I pay it off every month... For every 10,000 points I get I can get $100 gift card to apple bees or red lobster etc... So that's what me and the wife do. Use credit card and pay it off and collect free gift cards to go out to eat.
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Old 12-22-2015, 08:26 AM
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Being a truck driver,, using cards all over the country. My bank is really good about fraud prevention, too good. Every six months they cancel my current card and send me a new one,, because of suspicious activity. Like using it in Georgia one day, Nebraska the next. They've left me stranded a few times with no access to funds. Now I try to keep some cash on me just in case. No more than $100, gets me out of a jam.
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Old 12-22-2015, 12:23 PM
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I specified a daily spending limit on my debit card of $100 based on my daily routine as well as accounting for any unscheduled purchases (dining out, grocery shopping, gas, etc). If I need to make a large purchase or withdraw from an ATM, I log on to the app and change my limit right there on the spot, perform the transaction, and then change it right back with the app. It's saved me a few times when I noticed a couple failed transactions on my statement that were obviously fraud. Mine gets cancelled and reissued about once a year similar to BigBen's.
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