My Card Was Hacked

I think that banks cover themselves .. so if you get ripped off and they get you a credit to cover it, I doubt that the bank is out that money....

I think everything is delayed as far as payments go...

More time now, the point I was making was if your credit report is frozen no one can take out a credit card in your name, thats what happened to me this week, the frozen report stopped that. But it can get worse, like someone putting a mortgage on your house and sticking you with the bill, it happens..

Do it, its the best protection you can get..

A couple years ago I asked an insurance company to automatically debit my checking account for premium payments. Then I called the bank and asked what I needed to do so the bank would pay the electronic debits. The bank said I didn't need to do anything -- ANY electronic debit against my checking account would simply be paid if I had enough in the account to cover it. Scary, huh?

FYI Folks...


https://www.consumer.ftc.gov/articles/0497-credit-freeze-faqs

rberq wrote:A couple years ago I asked an insurance company to automatically debit my checking account for premium payments. Then I called the bank and asked what I needed to do so the bank would pay the electronic debits. The bank said I didn't need to do anything -- ANY electronic debit against my checking account would simply be paid if I had enough in the account to cover it. Scary, huh?

Very scary, you don't know how scary until it happens to you.... my first time they stole my tax return..

grumpy wrote:Very scary, you don't know how scary until it happens to you.... my first time they stole my tax return..

Did you get it back by contacting the bank?

rberq wrote:A couple years ago I asked an insurance company to automatically debit my checking account for premium payments. Then I called the bank and asked what I needed to do so the bank would pay the electronic debits. The bank said I didn't need to do anything -- ANY electronic debit against my checking account would simply be paid if I had enough in the account to cover it. Scary, huh?

For this reason I keep a small amount in checking account and will only transfer larger funds to it if I'm going on vacation or whatever.

When my mother had that operation a few months ago she had put the hotel room on debit card with the expectation it would only be two night stay. After giving them her CC number becsue it was more than a week they still charged it to her debit card..... all $1400... She had the money in the account but I never would have thought that would go through.

Did you get it back by contacting the bank?

I got my return, the tax payer covered what was stolen.. I now have a PIN number issued to me from the IRS to file with each year...

Please take my advice and freeze your reports..

For this reason I keep a small amount in checking account

Very smart, and never use a debt card, always credit....

Online and credit card security are big issues. There are a lot of personal practices we all should do to minimize the risks. Each of our login accounts should have a unique random long password. I've got considerable experience in this area and highly recommend, http://www.securesafe.com for a secure online password and file storage service. It's based in Switzerland which has higher privacy standards then the US. Many other features like data inheritance, which allows some else to take over your online data when you are gone. These are issues not addressed by US law. Inheritance issues are spelled out in Switzerland laws.

Like others have said, credit cards have less risk that debit cards. Adding two factor online logins also reduces your risk.

If you are super concerned about the security trustworthiness of your computer operating system you should use an OS that boots from a flash drive. A flash drive that has a tested secure OS on it and is write protected so it can't be compromised. The entire OS resides in the computer memory and is gone when you power down. There is simply no place for virus or worms to be stored. One such OS is call TENS. It's a USAF program for government personal. They have released a "public" version. See: https://www.tens.af.mil/

Your browser might give you a security warning when you go there because it a .mil domain name. That's because your browser doesn't know how to get the security certificate for a .mil domain.

grumpy wrote:

For this reason I keep a small amount in checking account

Very smart, and never use a debt card, always credit....

Grumpy I'm done with cards for paying for stuff unless it's online. I'm fairly confident the information was stolen somehow by using a local store.

I had issues with some credit cards and had nothing but a debit card for years, finally gave in and got one credit card. The pre-approved applications are now arriving in the mail regularly.

Also had a few issues with hacking from time to time. Those bastards!

Yanche wrote:Online and credit card security are big issues. There are a lot of personal practices we all should do to minimize the risks. Each of our login accounts should have a unique random long password. I've got considerable experience in this area and highly recommend, http://www.securesafe.com for a secure online password and file storage service. It's based in Switzerland which has higher privacy standards then the US. Many other features like data inheritance, which allows some else to take over your online data when you are gone. These are issues not addressed by US law. Inheritance issues are spelled out in Switzerland laws.

I'm not sure what benefit is of involving a third party when you don't have to. I use Keepass and One Drive.... The reason for One Drive is so I can access it from different devices. One drive stores local copies so if for any reason the online storage is inaccessible or whatever I still have recent copy on all my devices the last time I turned them on. Technically it's a third party but it's not required resource since there are local resources. Just to be on the safe side I do have the means to access One Drive should all my devices fail at once and a nuclear bomb hits NEPA.

Inheritance I've taken care of personally. A trusted relative has a sealed envelope with instructions for the password and where to find a USB key. That USB key has a password protected Keepass file that only that person knows the answer to. That Keepass file once opened has further instructions and the keys to kingdom .

Quick tip here about KeePass. There is notes section for each password entry but you can also attach files to entries.

CoalHeat wrote:I had issues with some credit cards and had nothing but a debit card for years, finally gave in and got one credit card. The pre-approved applications are now arriving in the mail regularly.

Funny thing is when I took over the coal business I had no credit rating and this was before they were handing them out like candy. I have this account with the bank that has thousands going through it each day and they denied me a credit card. LOL

Strange isn't it? That was one of the reasons I got the card I currently have.