[Idyllchat] Capital One ATM

[Russell Crum]

My experience is the same in that it appears nearly impossible to get  
an ATM card that is not also a debit card. Personally, I do not like  
debit cards and have always been very concerned about the fraud  
possibility in comparison with a credit card. To that end, I have  
never used my ATM/Debit card anywhere other than regular ATM  
machines. I have assumed, rightly or wrongly, that this would  
minimize the chances of my PIN being somehow grabbed by would be  
thieves.  I have had credit card fraud on my account a couple of  
times, but never on my ATM/debit card so I would like to believe that  
my habit has paid off.


Russ Crum


On Apr 12, 2008, at 15:22 , Vickie Kelber wrote:

>
>
>
> 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 “compromised” (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 husband’s  
> cards have been compromised.  By compromised, I mean that the  
> thieves don’t 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 won’t 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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