quote:

Originally posted by Rey HRH:
It's strange to hear that a card that hasn't arrived yet has been hacked. You normally have to activate it when you get it. So it sounds like it's on Capital One's end but one would think it would be more prevalent and Capital One would be on it like white on rice.

I had two cards get compromised a month or two ago. One of them did not require activation.
I found it odd.

quote:

Originally posted by Flashlightboy:

Why do you care/bother if it's not your cc?

Because it's wrong and because I was part of the fraud ring. By returning the products to Kohl's the first victim to the fraud - the CC holder - doesn't have much of a mess to unsort.

I take it that you would prefer me to keep the items and just call it my lucky day?

Turns out that UPS delivered on Friday and I just happen to be home so the roaming thieves has nothing to steal from my porch. Drove straight to Kohl's, asked to speak to the manager on duty and she came in a couple of mins.

I explained what was going on and she knew exactly how the fraud rings worked. Their Fraud Dept was also called and everything worked out just fine.

I don't the criminal element coming to my house, Kohl's isn't hosed and the CC holder is taken care of too, even though they wouldn't be out the money.

It's called doing the right thing.

I had a weird experience with a brand new Debit Card last week.

My existing debit card was expiring and I just walked into my local credit union branch and got a new one while I waited. They "print" them there, only takes a few minutes, hand it to you, nothing lost in the mail, etc.

I used it a couple of times, getting gas, and it NEVER left my possession, I did not hand it to a clerk to swipe. I am always very aware of skimmers attached to an existing terminal, so I give those a really close lookover and a tug push pull and wiggle to see if it's a temporarily attached skimmer.

The ONLY time I handed it to another person was at the Whataburger drive through.

I'll be danged that a week after it was handed to me in person at the credit union, I got a text late at night asking if I used the card in Mexico to buy office supplies. NO I replied, I'm not in Mexico or ordering anything from Mexico or anything online at all.

They blocked it immediately and turned off the card.

I walked into, one again, my local credit union branch and spoke with the Manager. He was as perplexed as me, and told me they have multiple cameras at the tellers as well as the machine that prints the debit card. He also told me that only he is allowed to load the blank cards into the machine, and he is NOT allowed to hang around or to take the printed ready debit card and hand it to the customer, another person has to do that, and all this is videotaped.

My inclination is to blame the window clerk at Whataburger, but who knows how this ever happened in the first place.

No one can, or will, pursue this further, it seems. I didn't lose any money, and to others the matter is simply closed, I guess.

Anyway, that's my story of having a brand new card for 1 week and then it gets compromised and used.

Go figure, I'm scratching my head.
.

My credit card got hijacked on two occasions in past years.
First was late in the day I got a message from the bank or card service. I had made two purchases in the morning before work. One to Midway, one to Brownells. That same day Purchases were attempted in Florida and Rhode Is. The bank caught it. No problem.

Another time my card was used for two Uber (or Lyft, I forget) rides somewhere. They were charged, but the bank reversed them. There was no use by me that I can recall just prior to this

Mother a couple years ago, gave out her own debit card number on the phone to some hacker saying she just won PCH lottery. Mother did have enough second thoughts and faculty to call me immediately. I went and emptied her checking account on the computer. As I was doing that, I saw on the screen, three attempts made to charge an e-car in the Netherlands. All less than one hour after the hacker call.
No problems from this resulted. I have had for quite a while Mother's checkbook, credit and debit cards. And POA since 2017. Mother had the debit card number for a shopping helper person to use at the store.

BTW, Mother did not remember the incident after one week. Now she doesn't remember 2 days ago. She just turned 98.

I always use a credit card for online purchases, and locally will only use a debit card when I want cash back. Whether I am right I don't know but I don't want my checking account emptied out by a scammer, and I don't know if I would have the same level of protection as a credit card.

Does anyone know if you are more vulnerable on debit cards as far as getting your cash back.

quote:

Originally posted by wcb6092:
...and I don't know if I would have the same level of protection as a credit card.

Likely you won't. You'd have to check your particular bank to be totally sure what their policy is. Personally, I avoid the cash back thing all together, and if I need cash, I use my debit card at a bank ATM. If you want to use your debit card for cash back on purchases, I strongly recommend you load it into Google Pay or Apple Pay and only use it via the app. Those apps are more secure than simply pulling out the physical card and using it. Heck, I'd recommend you do that with any CC you use to mitigate your risk.

quote:

Originally posted by preten2b:
My only recent example of CC being hacked was similar. I recently switched banks, and with it came a new debt card which I never, EVER , used even once.

I go even further and refuse to accept the debit card, so I do not have any.

quote:

Originally posted by bigdeal:

quote:

Originally posted by wcb6092:
...and I don't know if I would have the same level of protection as a credit card.

Likely you won't. You'd have to check your particular bank to be totally sure what their policy is. Personally, I avoid the cash back thing all together, and if I need cash, I use my debit card at a bank ATM. If you want to use your debit card for cash back on purchases, I strongly recommend you load it into Google Pay or Apple Pay and only use it via the app. Those apps are more secure than simply pulling out the physical card and using it. Heck, I'd recommend you do that with any CC you use to mitigate your risk.

I'm a bit confused. When I think of "cash back" it's the perk the CC company offers (instead of airline points). There's no getting actual cash in hand, but rather it accumulates in your CC account where it can ultimately be transferred to your bank checking account. I get 2% cash back with my Apple card, and when it gets to $400~, I transfer it to my bank and in the mean time it can be used for certain purchases or for sending some cash to another person. I thought the question was if your debit card is hacked, is it as easy to recover as it is on credit cards, and of course that depends on the bank. In general I feel like debit cards are less secure, and I only use mine to get hard cash in hand at an ATM. Since I pay my cc off each month, I pay no interest and see zero benefit in using a debit card.

quote:

Originally posted by Flashlightboy:
Because it's wrong and because I was part of the fraud ring. By returning the products to Kohl's the first victim to the fraud - the CC holder - doesn't have much of a mess to unsort.

I take it that you would prefer me to keep the items and just call it my lucky day?

Turns out that UPS delivered on Friday and I just happen to be home so the roaming thieves has nothing to steal from my porch. Drove straight to Kohl's, asked to speak to the manager on duty and she came in a couple of mins.

I explained what was going on and she knew exactly how the fraud rings worked. Their Fraud Dept was also called and everything worked out just fine.

I don't the criminal element coming to my house, Kohl's isn't hosed and the CC holder is taken care of too, even though they wouldn't be out the money.

It's called doing the right thing.

Sorry, that's not what I meant. Seems like the stolen cc attached to your acct could be cancelled/frozen, and/or Kohl's could close your acct and that would be the end of it. Something should also be able to be done with the one's doing the porch picking.

That's mostly what happened.

The perp hacked into my Kohl's account, added the stolen CC info and placed 3 orders: 1. Store pickup in NJ, 2. Ship to a residence in Glendale CA, and 3. speakers to me.

Orders 1 and 2 were caught and cancelled. My order had already shipped from a central warehouse and was with UPS and couldn't be stopped.

My Kohl's account was cancelled at my instance but that still left the goods that were on their way to my residence and the perps were expecting to snatch off my porch.

I returned the goods to the local Kohl's and notified their Fraud Dept they'd been returned.

Perps got nothing.

quote:

Originally posted by NavyGuy:


I'm a bit confused. When I think of "cash back" it's the perk the CC company offers (instead of airline points). There's no getting actual cash in hand, but rather it accumulates in your CC account where it can ultimately be transferred to your bank checking account. I get 2% cash back with my Apple card, and when it gets to $400~, I transfer it to my bank and in the mean time it can be used for certain purchases or for sending some cash to another person. I thought the question was if your debit card is hacked, is it as easy to recover as it is on credit cards, and of course that depends on the bank. In general I feel like debit cards are less secure, and I only use mine to get hard cash in hand at an ATM. Since I pay my cc off each month, I pay no interest and see zero benefit in using a debit card.

At the grocery store, if let's say the bill is $50.00 and I want cash to go to the barbershop I can get $20.00 from the cashier, and the debit charge is $70.00. ATM may be out of the way.

There are still a few businesses that don't take cards, usually older barbers.

quote:

Originally posted by wcb6092:
There are still a few businesses that don't take cards, usually older barbers.

Funny how that works. The lady that has cut my hair for the past several years only takes cash or checks, so that's usually the bulk of my annual ATM interactions. Again, if you want to do cash back at the grocery store or elsewhere, load up you card(s) in an electronic pay program to add some more security to the process.

IIRC, if you opt to get some cash back (let's say at the grocery store) on your CC, that cash back money starts accruing interest until you pay your CC bill?

quote:

Originally posted by bigdeal:

quote:

Originally posted by wcb6092:
There are still a few businesses that don't take cards, usually older barbers.

Funny how that works. The lady that has cut my hair for the past several years only takes cash or checks, so that's usually the bulk of my annual ATM interactions. Again, if you want to do cash back at the grocery store or elsewhere, load up you card(s) in an electronic pay program to add some more security to the process.

Mrs. Flash's hairdresser takes cash, check or money order...plus credit cards. She said she had to take them as more and more of her clientele demanded it.

quote:

Originally posted by 229DAK:
IIRC, if you opt to get some cash back (let's say at the grocery store) on your CC, that cash back money starts accruing interest until you pay your CC bill?

That's a "Cash Advance" not "Cash Back", and yes it accrues interest and at a far higher rate (usually) than the standard rate of interest on CC purchases. Simple rule of thumb, do not do Cash Advances.

quote:

Originally posted by wcb6092:



At the grocery store, if let's say the bill is $50.00 and I want cash to go to the barbershop I can get $20.00 from the cashier, and the debit charge is $70.00. ATM may be out of the way.

There are still a few businesses that don't take cards, usually older barbers.

I guess we operate differently. I don't use a debit card for anything other than cash at a secure atm. So, if at the grocery, I'd put the $50 on my cc, get 2% cash credit (yeah, big deal right, but you'd be surprise how quickly it adds up) then if I wanted some cash for the barber (my little shop takes cards) the occasional poker game, or to tip a parking valet or some such I'd use the little stash of cash I keep or swing by an atm. Works for me, but we're all different so do what works for you.

quote:

Originally posted by NavyGuy:
I guess we operate differently. I don't use a debit card for anything other than cash at a secure atm.

Very good practice.

quote:

So, if at the grocery, I'd put the $50 on my cc, get 2% cash credit (yeah, big deal right, but you'd be surprise how quickly it adds up)...

Unless you have some sort of CC I am totally unaware of, don't do this. What you're suggesting is a Cash Advance, and as a rule cash advances charge interest from the moment they're made at a very high rate that will far and away negate any 1% or 2% rebate you get on the purchase.

[[/QUOTE]Unless you have some sort of CC I am totally unaware of, don't do this. What you're suggesting is a Cash Advance, and as a rule cash advances charge interest from the moment they're made at a very high rate that will far and away negate any 1% or 2% rebate you get on the purchase.[/QUOTE]

You misunderstood totally. I pay the bill with my CC, nothing more. Nothing back. As I said if I need cash, I go through other means to get that.

Locked at the OP's request