Corporateburnout
Thinks s/he gets paid by the post
- Joined
- Sep 30, 2006
- Messages
- 1,743
I am not sure if this was discussed before but has anybody been a victim of idendity theft? how did it impact you and what did you do about it?
I never use a debit card and don't understand why anyone uses them. I Just pay the CC off every month. For those of you who use debit cards, are you protected against misuse in the same manner that you are with credit cards? Can you point out that you didn't make the purchase and get your money back? And why do you use them in the first place -- I assume there is an advantage I am not aware of.riskaverse said:I lost a couple of grand in 2001 to identity theft. Through something I purchased online, they got my Visa card number and made a huge number of charges.
donheff said:I never use a debit card and don't understand why anyone uses them. I Just pay the CC off every month. For those of you who use debit cards, are you protected against misuse in the same manner that you are with credit cards? Can you point out that you didn't make the purchase and get your money back? And why do you use them in the first place -- I assume there is an advantage I am not aware of.
Aha. The ATM is so convenient to me that a grocery store advantage never crossed my mind. But you don't get frequent flyer miles or other incentives for debits do you?Khan said:Get cash back at the grocery store instead of going to the ATM.
BA and VISA do offer same as CC protection.
donheff said:Aha. The ATM is so convenient to me that a grocery store advantage never crossed my mind. But you don't get frequent flyer miles or other incentives for debits do you?
I just pay all the bills on time. I put virtually everything on CCs and collect frequent flyer miles on all my expenses. My daughter and I flew to Hawaii this summer on the CC miles. I went to Seattle on it. I would consider a debit card if it produced miles but I can't see what the incentive would be to the card company.Sheryl said:I guess I only prefer this to using a credit card because if I get lazy or forgetful or busy and forget to pay the cc bill, I am socked with huge late charges and finance fees.
I only use a c.c. for airline tickets or other major purchases that I want to extend, or have extra protection for.
It just seems simpler for me.
TromboneAl said:The media has succeeded in making me a little paranoid about identity theft. Therefore...
1. We have security freezes on our credit reports
2. If I ever send a check in the mail I use a gel pen and mail it from the post office (i.e. not from our mailbox on the street)
3. I turn off paper statements that could be intercepted in the mail
4. I have all bills paid automatically from CC
5. I check CC activity regularly online
TromboneAl said:The media has succeeded in making me a little paranoid about identity theft. Therefore...
1. We have security freezes on our credit reports
2. If I ever send a check in the mail I use a gel pen and mail it from the post office (i.e. not from our mailbox on the street)
3. I turn off paper statements that could be intercepted in the mail
4. I have all bills paid automatically from CC
5. I check CC activity regularly online
I do these things too.TromboneAl said:The media has succeeded in making me a little paranoid about identity theft. Therefore...
1. We have security freezes on our credit reports
2. If I ever send a check in the mail I use a gel pen and mail it from the post office (i.e. not from our mailbox on the street)
3. I turn off paper statements that could be intercepted in the mail
4. I have all bills paid automatically from CC
5. I check CC activity regularly online
TromboneAl said:The media has succeeded in making me a little paranoid about identity theft. Therefore...
1. We have security freezes on our credit reports
2. If I ever send a check in the mail I use a gel pen and mail it from the post office (i.e. not from our mailbox on the street)
3. I turn off paper statements that could be intercepted in the mail
4. I have all bills paid automatically from CC
5. I check CC activity regularly online
We had two neighbors also defrauded while in PV. One with a Visa from Mill Bay CA, another with a Visa from Bellingham WA and me with an MC from Vancouver BC. We were all defrauded. Where had we all used our charge cards? Only one place! My DW had used our Visa in another common place but not the MC.audreyh1 said:How did you track the origin down?
Al,
How did you freeze your credit reports, I ve seen it before but can't remeber?
Also, I think you are using Bank of America/Quicken and Fido from Memory.