[Idyllchat] Capital One ATM

[richard paplinski]

When we use our debit card here at home for purchases we do not put in our pin number.  Given the choice of debit or credit, I choose credit.  The card knows the difference and the purchase price comes out of my checking account and I have not given out my pin number.  On the other hand when we are traveling and use the card we only use it at ATMs for cash and, of course, have to use the pin number.  We have never had our debit card compromised, but have had our credit card compromised.

Linda
  ----- Original Message ----- 
  From: Russell Crum 
  To: Vickie Kelber 
  Cc: idyllchat at lists.untours.com 
  Sent: Saturday, April 12, 2008 3:59 PM
  Subject: Re: [Idyllchat] Capital One ATM


  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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