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It Happened to Me, TOO!

August 8th, 2007 at 03:01 pm

I just got a fraud alert about my debit card. Someone has counterfeited my card in another state. The charges add up to almost 500 dollars so far. But the company that watches those things for our bank alerted and caught it. My card is now frozen. I have to file something with my bank tomorrow. Wow, I think I will do what so many have said and quit using the debit card and go back to a credit card or cash purchases. This way the money won't leave my account. I hate that we have to live this way. I had just gotten used to using these new types of payments since everyone laughed that I still lived in the dark ages. But we didn't have to deal with this stuff then. I am going to pay off and free up one credit card for all monthly purchases and then use it and pay it off out of my budget every month. Perhaps one that has rewards. No more using the debit cards. This is sure a wake up call....

12 Responses to “It Happened to Me, TOO!”

  1. Househopeful Says:

    I'm so sorry that happened! At least it was caught early. I might suggest putting a warning on all your credit bureaus. Even though this incedent was with the debit card, the theives may have additional information that they may use later.

  2. Amber Says:

    OMG, that is terrible...my card was what they called "comprimise" so the bank sent me a new one. Thank God no money was taken

  3. nance Says:

    A couple months ago, I had a $300.00 charge on my credit card, and I was the one to find it, and get it straightened out. Then, the same month, my son had charges on two credit cards that weren't his, and were made from other states. Other than paying cash, I don't know what is safe, any more.

  4. Ima saver Says:

    Sorry to hear that. What a pain in the neck.

  5. carol Says:

    Every time I even think about getting a debit card, I hear stories like this and end up changing my mind. I hate this. I was just on the point of taking all 50 of the legitimate paid to click sites I have found and listed, and turning it into a legitimate business. You have to join a lot of them, and many of them require a paypal account. This fries my potatoes, hearing stories like this, because now I am really afraid to have a debit card and risk having something like this happening.

    I'm so sorry that there are nasty people in this world that just stink up the whole debit/credit card industry.
    I've come to the conclusion that cash is the only safe method of paying for things now.

    I am glad for nance and househopeful, however, for catching these suspicious activities on your cards and being able to catch them.

  6. Broken Arrow Says:

    Wow, you guys are making me paranoid now.

    *going to go lock up his credit card*

  7. boomeyers Says:

    Yikes! I have become so dependent on this, especially at the gas station where you do'nt have to go into the station to pay. I don't know if I could give it up!

  8. monkeymama Says:

    Wow. I am sorry about that.

  9. pjmama Says:

    That stinks. I hope everything gets worked out quick (it's a pain when your account is frozen).

  10. fern Says:

    Forgive my ignorance, but why is a debit card easier to defraud/hack into than a credit card?

  11. JanH Says:

    Fern, I think the difference in using the credit card is so that the money isn't taken immediately out of your account like a debit card and you don't bounce legitimate payments when you don't realize that your money is missing. With a credit card, you can see the transactions on your statement and don't have to pay while you dispute it. I think that is what everyone has been talking about. Makes sense to me now.

  12. boomeyers Says:

    Hey Jan! Where are you? Smile

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