I've taken a hit, credit card wise........

[Chief 101]

True. But we all get to share in paying for the stuff the thief got. They just spread their losses over their whole customer base in the form of higher fees and reduced interest rates.

not true, I have not paid a cc interest charge as I always pay it off...and, I play on their dime for up to 60 days sometimes. Maybe I pay extra on retail costs but that's it.

 

[hittman]

On a related wallet note …. Some states require you to produce your actual drivers license during a traffic stop. A picture of it or your registration or insurance on your phone doesn’t cut it.

Many of those items have bar codes the police can scan if you’re getting a ticket and if your DL needs to be held for bond, they’ll just hold YOU instead.

 

[Kevin]

On a related wallet note …. Some states require you to produce your actual drivers license during a traffic stop. A picture of it or your registration or insurance on your phone doesn’t cut it.

Many of those items have bar codes the police can scan if you’re getting a ticket and if your DL needs to be held for bond, they’ll just hold YOU instead.

True. There are a couple states where a digital driver’s license on your phone is valid. Unfortunately, not in Texas.

And the phone uses facial ID, to open the phone and then again to access your credit card.

 

[RSIno1]

On a related wallet note …. Some states require you to produce your actual drivers license during a traffic stop. A picture of it or your registration or insurance on your phone doesn’t cut it.

Many of those items have bar codes the police can scan if you’re getting a ticket and if your DL needs to be held for bond, they’ll just hold YOU instead.

CA has a magnetic stripe on theirs will all sorts of info.

 

[GasGuzzler]

The first step on their part (not the clerk with whom I was dealing) was to accuse me of letting one of my children use my card, then maybe my wife had used it without telling me, or maybe I had loaned it out? None of these were true, of course. The charges were to an business known as "Go Puff", and "Door Dash" and "Lyft," none of which I've ever used. And in all the time I've had that card, never used.

I realize this is an old topic that someone brought up but I had the same thing happen.

The difference?

For the bank's insurance to cover my losses, I had to make a police report. It was the police who treated me like the criminal. Made me call my wife in front of them to ask if she made the athletic wear purchase from a store 1700 miles away and accused my kids of getting into a locked desktop computer and using my account numbers to successfully buy items over the internet and have them shipped to PA when we're in Texas.

Real genius officer S***a. Yes, I remember his name even though it was ten years ago.

BTW, mine was a debit card, not a credit card. Now days, I get a text message every time I use my card. Most times it says if the transaction was legit, do nothing. Once and a while it will tell me to verify I made the purchase. If I do not, it shuts my card down. I can turn it back on easily.

 

[JackBull]

Last Sunday when I came home from church there were two messages on my answering machine. They claimed to be from my bank's security department, and some questionable activity had occurred on my credit card, and to call a number given for verification. I didn't recognize the number and did not answer the call. Monday was a holiday and banks were closed. Yesterday I went to my bank to investigate the calls. The clerk there got into my account and did find about $600 worth of bogus charges made that day.

The first step on their part (not the clerk with whom I was dealing) was to accuse me of letting one of my children use my card, then maybe my wife had used it without telling me, or maybe I had loaned it out? None of these were true, of course. The charges were to an business known as "Go Puff", and "Door Dash" and "Lyft," none of which I've ever used. And in all the time I've had that card, never used.

So now a fraud investigation has been initiated, that card blocked, and a new one being FedEx'ed to me.

So now I am not liable for those charges.

I'm a mite galled at the suggestions of my carelessness about my card. The lady with whom I was dealing was very emphatic to them that I was a long standing, upright customer.

Bob Wright

Get a Discover card. Best customer service in the business.

 

[JackBull]

Why aren't the banks and cc companies doing more to more secure? I hate to admit it but never had these problems before computers. And cell phones.

Because we are paying for it.