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Thread: Debit card got skimmed?

  1. #1
    Senior Member Ultralight's Avatar
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    Debit card got skimmed?

    This past weekend I had a little bit of a financial crisis scenario.

    I got an oddball email on Saturday saying there was a strange purchase made with my debit card.

    I checked it out, someone had made three purchases in a town called Mount Vernon -- which I am not and was not in.

    I called the bank. They shut off my card.

    They said my card might have gotten "skimmed" or when I made a purchase online my info could have been stolen. I had recently bought a ticket to a hockey game online. But who knows...

    The lady with the bank said I should:
    1. Not buy anything online with my debit card
    2. Not pay for gas with my debit card at the pump

    Thoughts on this?
    I came from a real tough neighborhood. I put my hand in some cement and felt another hand." -- Rodney Dangerfield

  2. #2
    Senior Member iris lilies's Avatar
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    I dont have a debit card at all, too risky.

  3. #3
    Senior Member Ultralight's Avatar
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    Quote Originally Posted by iris lilies View Post
    I dont have a debit card at all, too risky.
    Please explain.
    I came from a real tough neighborhood. I put my hand in some cement and felt another hand." -- Rodney Dangerfield

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    I don;t use my debit card online but do buy gas with it.

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    I only use my debit card at the ATM at the bank I get it from and 1 grocery store in town that doesn't take CCs.

    Credit card for anything else.

  6. #6
    Senior Member herbgeek's Avatar
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    You're protected when you use a credit card, not so much with a debit card. You'd have to fight a lot harder to get your money back on an ATM withdrawal. (But even though I am aware of risk, I use my debit card for most of my in person shopping- never for on line).,

  7. #7
    Senior Member iris lilies's Avatar
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    Quote Originally Posted by Ultralight View Post
    Please explain.
    You are not protected as much from fraudulent transactions on a debit card as you are with a credit card. At least, that was the wisdom a few years ago.

    I dont need a debit card anyway. Well, once I did need it, once in forever. It was a time I needed cash at the grocery store and they would not give cash back on a credit card purchase. And if
    I had simply been carrying an ATM card, that would have worked. But I dont use those things either.

  8. #8
    Senior Member Williamsmith's Avatar
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    UL, credit card companies have fraud and security offices whose job is to minimize fraud and make sure their customers continue using credit. Therefore, when you suffer a loss on your credit card through no fault of your own, you simply protest the charges, the card gets cancelled and reissued in a new number, the mail the card to you, you go on with your life. When you use a debit card, the card is linked to your bank account. Banks are not in the business of caring about their customers to the point t where they like reimbursing fraudulent activity.

    Do yourself a favor, get a credit card that pays 3-5% cash back on all your purchases, pay it off every month and use your debit card only at an ATM to withdraw cash.

  9. #9
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    Our debit card has been used fraudulently and the bank cancelled the card and gave us back the $ with no problem. I use it for all in-person purchases and the ATM's and gas.

  10. #10
    Senior Member Ultralight's Avatar
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    Dave Ramsey explained in his book that you actually do have the same protections with a debit card as you do with a credit card. Though the process can go more quickly if you pay for things as credit. Mastercard. Visa. It all applies, apparently.

    This happened to me once before, with a debit card. Everything was paid back to me, but it took a couple months.

    I think I will just not buy anything online -- it is rare that I purchase things online anyway. And I am using cash and Dave's envelope method for gasoline now.

    I have never had a credit card, nor do I want one.
    I came from a real tough neighborhood. I put my hand in some cement and felt another hand." -- Rodney Dangerfield

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