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06-25-2024, 09:41 AM | #31 | |
Kind of a mod
Join Date: Aug 2005
Location: Donkey Land
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So for example, imagine someone fraudulently charges $10k to your debit card. They money gets removed from your account, and until they close the fraud investigation, you can't get to the $10k. If someone does that on a credit card, it's the BANK'S money that gets put on hold. Until the fraud investigation closes, you don't owe them anything for it. |
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06-25-2024, 09:45 AM | #32 | |
sorta mod-ish
Join Date: Jan 2004
Location: KC North
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I had a $500 charge against my debit card a couple of months ago to apple.com, but I'm an Android heathen. I wondered where my info could have been lifted from; I had gone through a stretch where I hadn't really used my debit card for anything other than groceries and pay at the pump. I suppose if the info is out there someone with skills can lift it, no matter how far back they have to go? I guess? |
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06-25-2024, 09:52 AM | #33 | |
When a nightmare becomes real
Join Date: Nov 2003
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Posts: 47,011
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06-25-2024, 09:53 AM | #34 | |
George Brett shit his pants
Join Date: Apr 2006
Location: At the Bellagio
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06-25-2024, 09:54 AM | #35 | |
George Brett shit his pants
Join Date: Apr 2006
Location: At the Bellagio
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Posts: 48,599
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06-25-2024, 09:55 AM | #36 | |
When a nightmare becomes real
Join Date: Nov 2003
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It it’s mom and pops country rural bank, good luck. |
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Posts: 47,011
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06-25-2024, 10:13 AM | #37 |
Ultrabanned
Join Date: Oct 2007
Location: Northland
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Be afraid and buy insurance on everything you own!
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Posts: 42,257
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06-25-2024, 10:15 AM | #38 |
Hockey Town
Join Date: Apr 2005
Location: Kansas City, Missouri
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Selling fear is literally all anyone does anymore, when the political ads start it'll really uptick.
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Posts: 112,587
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06-25-2024, 10:19 AM | #39 |
Supporter
Join Date: May 2005
Location: Who knows?
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Scammers use fear, too.
I just set up and started a new Facebook business page for a branch of my company. I have received around a dozen copyright threats from scammers that want me to use an outside link to settle. The names they use under the guise of Facebook market team is hilarious. But people fall for it all the time. |
Posts: 85,353
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06-25-2024, 10:35 AM | #40 |
Ain't no relax!
Join Date: Sep 2005
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Low intelligence people are easily motivated by fear. Our education system is severely underfunded and mismanaged, and has been for decades. Thanks to the internet, it's easier than ever to lookup information about a person and be able to contact them by multiple different methods. It makes it easier to digitally steal than to physically steal. When people are so dumb you can simply call them on the phone and convince them to send you money, you're going to have shitty thieves waiting to oblige..
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06-25-2024, 11:15 AM | #41 |
Supporter
Join Date: Dec 2004
Location: Ozarks
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Wow, some terrific information in these posts, thank you! I had no idea we had a professional in this area, thanks Saulbadguy!
It looks like I have been doing a few things right, but I have no idea who to contact to lock our credit. We don't plan on buying anything on credit and haven't for 16 years since the Challenger purchase. I do not answer the phone, ever, unless I know who it is. Still having a Chicagoland area code is actually very helpful in that area. Made the mistake one time of answering a spoof email that had copied Paypal's logo etc. I ended up having to reset all passwords etc. Then another time I got a FB message asking if I remember this picture, oh shit, that was a mess. The debit card, the only time we use it is for groceries or gas. Guess I will switch over to using a credit card for those as well. I actually still use cash for most purchases as they haven't killed it down here in the Ozarks yet. Thank you again everyone! |
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06-25-2024, 12:07 PM | #42 | |
Would an idiot do that?
Join Date: Nov 2000
Location: Arizona
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06-25-2024, 12:08 PM | #43 |
When a nightmare becomes real
Join Date: Nov 2003
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This is a handy guide on how to freeze your credit with the big 3 bureaus. You can do it all online if you wish.
https://www.nerdwallet.com/article/f...-freeze-credit |
Posts: 47,011
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06-25-2024, 12:41 PM | #44 | ||
Supporter
Join Date: Dec 2004
Location: Ozarks
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Quote:
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06-25-2024, 01:03 PM | #45 |
Threepeat!
Join Date: Aug 2002
Location: Milk/Honey/Gazland
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Lots of good advice. Years ago a family member’s checking account got cleaned out via a compromised debit card. She had multiple items “bounce” & racked up some substantial bank fees. She had to fight the bank for over 6 months to get a final resolution. Debit cards carry extra layers of risk. Especially dangerous when used online.
Last edited by T-post Tom; 06-25-2024 at 01:41 PM.. |
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