FW: [Idyllchat] Capital One ATM

[Vickie Kelber]

To throw another factor into this discussion...............

Banks rarely give out plain ATM cards any more.  They usually give you debit
cards.  It took me a long time, but I finally got my local bank to issue
just an ATM card.  Schwab bank, for one, will not give you just an ATM
card...the choice is debit card or nothing.

Should a debit card be ³compromised² (not stolen), it is worse than a credit
card being compromised; liability is greater, it is your money that the
thief gets, not the banks and therefore you will not have immediate access
to your money if it is stolen.

Unfortunately, compromised cards are becoming more and more of a problem.
My husband and I have had credit cards for years with no problems.  However,
in the last four months, two of my husband¹s cards have been compromised.
By compromised, I mean that the thieves don¹t steal your card but somehow
have your card numbers. I have now taken to checking my credit card accounts
online about once a week just to monitor.  However, when traveling in
Europe, that will be more difficult and something I probably won¹t be doing.
And, of course, while traveling in Europe without a cell phone, it will be
impossible for the credit card company fraud department to contact me if
there are questionable transactions.

Vickie


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