news:7CBYe.7638$N35.2890@trndny09…

>> You don’t use it at the grocery store?

> No. I have a credit card for purchases.

Even if you did use it at the grocery store, assuming you *didn’t* use it as
if it were a credit card (ie, you entered your PIN), there’s not any risk.

The risk comes in when the Visa card number is used for the transaction,
because that number provides an unsecured path straight into your bank
account, without any fraud protection.

Used in the same manner as if at an ATM, one’s debit card should be just as
secure as if used at the ATM (keeping in mind there are still potentials for
fraud there).

Pete

news:7CBYe.7638$N35.2890@trndny09…

> Matt Barrow wrote:

>> You don’t use it at the grocery store?

> No. I have a credit card for purchases.

I’d think you didn’t use credit cards for general purposes.

I hit ATM’s about twice a year and only use the ATM debit card instead of a
check.

Also, grocery stores around here only started taking CC’s in the past few
months.

–
Matt

———————
Matthew W. Barrow
Site-Fill Homes, LLC.
Montrose, CO

> "George Patterson" <grpph…@verizon.net> wrote in message
> news:z8BYe.16452$Zg5.3421@trndny05…
>> Greg Copeland wrote:

>> > Oh ya!  NEVER, EVER, NEVER, purchase online with your debit credit card!

>> I call mine my "ATM card", since that’s all I ever use it for.

> You don’t use it at the grocery store?

That’s fine.  I’m referring to online purchases.  You would only want to
use it in situations where you trust that fraud is not a likely situation.
Accidents have happened where is has taken weeks to get straightened out.
Nonetheless, I wouldn’t think that type of accident were common place.
Just use your head and caution.

Greg

news:z8BYe.16452$Zg5.3421@trndny05…

> Greg Copeland wrote:

> > Oh ya!  NEVER, EVER, NEVER, purchase online with your debit credit card!

> I call mine my "ATM card", since that’s all I ever use it for.

You don’t use it at the grocery store?

No. I have a credit card for purchases.

George Patterson
      Give a person a fish and you feed him for a day; teach a person to
      use the Internet and he won’t bother you for weeks.

I call mine my "ATM card", since that’s all I ever use it for.

George Patterson
      Give a person a fish and you feed him for a day; teach a person to
      use the Internet and he won’t bother you for weeks.

- Hide quoted text — Show quoted text -

On Wed, 21 Sep 2005 23:11:22 +0200, Friedrich Ostertag wrote:
> Ron Natalie wrote:

>> sfb wrote:

>>> Paypal lacks law enforcement authority and the protection plan does
>>> not apply to all transactions.

>> They don’t need law enforcement.  Law enforcement is lousy on getting
>> retribution.  Credit cards are your best bet on the Internet, and
>> backing your paypal payment with a credit card will get your money
>> back even if PayPal won’t honor the buyer protection plan.

> Can you explain how you get your credit card company to refund your
> money, if you officially authorized Paypal to draw from your CC account?

> regards,
> Friedrich

Oh ya!  NEVER, EVER, NEVER, purchase online with your debit credit card!
Many people have been put into real bad positions when they found out
their $150.00 online purchase wiped out their $20,000 bank account.  When
the bank checks into it, they find the merchant has closed their
account and skipped town.  Also, some banks do NOT offer the same
protection to their debit cards that they extend to credit cards! Which
can make recovery even more painful and prolonged….compounded with
bounced checks and no means to get cash in hand (except credit card cash
advance).

Greg

I doin’t purchase *anything* with my debit card anyway.  The only reason I have
one is to get cash out of an ATM.  For everything else, there’s MasterCard.  <G>

–
Mortimer Schnerd, RN

mschn…@carolina.rr.com.REMOVE

- Hide quoted text — Show quoted text -

On Wed, 21 Sep 2005 23:11:22 +0200, Friedrich Ostertag wrote:
> Ron Natalie wrote:

>> sfb wrote:

>>> Paypal lacks law enforcement authority and the protection plan does
>>> not apply to all transactions.

>> They don’t need law enforcement.  Law enforcement is lousy on getting
>> retribution.  Credit cards are your best bet on the Internet, and
>> backing your paypal payment with a credit card will get your money back
>> even if PayPal won’t honor the buyer protection plan.

> Can you explain how you get your credit card company to refund your
> money, if you officially authorized Paypal to draw from your CC account?

It’s called a "charge back".  Anytime you purchase something with your
credit card and do not receive either the services or goods you expected
and the merchant refuses to refund your money, you can do a charge back.
If merchants experience a high number of charge backs, the percent they
pay per transaction goes up.  They don’t like that. Likewise, if they
continue to get many charge backs, processing banks tend to drop the
merchant.  Merchants don’t like that either.

It’s basically in the Merchant’s best interest to refund your money;
especially if you tell them you’ll be starting charge back procedures.  If
that still doesn’t get them to move, call the card issuing bank that you
did your transaction with.  The number is on the back of your card.  Tell
them the merchant has been unwilling to resolve the complaint and you want
to start a charge back procedure.  A large number of disputes are resolved
with the help of the issuing bank without actually having to do a charge
back.  Once the bank gets involved, the merchants tend to get a lot more
friendly.  Also, charge backs almost alway go in favor of the card holder,
especially for Amex members.  Amex is very friendly to its card holders
and unless the merchant can show really good cause to prevent a charge
back, Amex almost always supports their card members versus the merchant.

In case you can’t tell, I used to work in the credit card industry.  ;)
Using your credit card for online purchases is, by far, the most powerful
protection you have…just make sure you’re not giving out your credit
card information to the wrong people!  And never give it out over
the phone unless *you* initate the call!

Greg

Like they didn’t already know?

Also, China, Russia, Brazil and others are supporting many fraudulent
activities (that’s right, they are sanctioning these activties), so don’t
expect any asistance from their governments in the event you get ripped off.

–
Matt

———————
Matthew W. Barrow
Site-Fill Homes, LLC.
Montrose, CO