DO NOT LOSE YOUR CARD!

[Fx51LP308]

Uggggghhh! What a nightmare! My debit card must have fallen out of my pocket when I was "hittin' the head" in a public facility. Instinct #1 kicked in and I got the card blocked. Thankfully, no "nefarious" activity prior to blocking.

That said, there were two transactions that were "on hold" pending resolution. One involves a rental car I'm returning later this morning. They have a $300.00 deposit "on hold." Hopefully, they can release the hold and it will drop. But I have to find another way to pay them because the card can't be used anymore and I don't get the replacement until Thrs 01/30. The charge they made covered both the rental amount and the deposit. Hopefully, if they release the hold, I can either let them debit my checking account directly or I can write them a check. I'll do either one. Or, they're nice enough to wait until Thrs. Nah, not happening. And now I have to change all the "automatic debits" active on the debit card and hope that none of them bounce before I can on Thrs.

Moral of the Story: DON'T LOSE YOUR CARD! Be sure you look around after you "complete the paperwork" when in a public facility!

 

[TexPatriot]

I've taken thousands upon thousands of pisses with my wallet in my back pocket and never lost it or any cards out of it. What was your card doing out of your wallet in a public restroom?

And who but illegal aliens and homeless use public restrooms anyway?

I'm just fuckin' with you.

 

[6/250/40]

CASH... Problem solved...

 

[Nik H]

I only use my debit card for cash withdrawals at a bank ATM. I never use it anywhere else.

I use credit cards for purchasing items.

 

[Fx51LP308]

I've taken thousands upon thousands of pisses with my wallet in my back pocket and never lost it or any cards out of it. What was your card doing out of your wallet in a public restroom?

And who but illegal aliens and homeless use public restrooms anyway?

I'm just fuckin' with you.

#1 - This wasn't a piss (think the "2nd" version).
#2 - See #1 above
#3 - The card was out by itself (normally in my Wallet which I keep in my front pocket - If someone's going to rip off my wallet, they'll have to get through me first)... It was in a utility pocket in my cargo pants. I will do that often if I have several places to go/shop in one event.

#4 - The rental company did refund the deposit successfully, so I'm told. We'll see my bank statement in a day or two. They said this happens all the time. That's pretty bad if it "happens all the time."

Now, I just have to change all the "automatic debits" and hope none try to auto debit before I do.

 

[babyguppy]

I only use my debit card for cash withdrawals at a bank ATM. I never use it anywhere else.

I use credit cards for purchasing items.

Glory Holes must take debt cards now. LOL
Just push it through, we'll return it.

 

[roostercogburn98]

I thought this was gonna be a “don’t lose your man card” type of post/rant.

I give it a -5 out of 10

 

[akmike47]

Glory Holes must take debt cards now. LOL
Just push it through, we'll return it.

They bend over in front of the hole and you insert it, duh.

 

[lonegunman762x51]

A few years ago, I was in Denver for business and my CC got abused. I stopped at a nearby Red Robin for lunch and as I was driving the 1/2 mile back to the office, my card company called me. They asked if I had just bought a $3,000 Apple computer and a business class ticket to Kazakhstan? I said, "Nope, I had a burger, salad and fries at Red Robin." Which they had and then these purchases. I drive back to Red Robin and asked for the manager, then I asked if Pavel the waiter was from central Asia? He said yes. I told him what was happening as we were speaking and much to my surprise a random cop walked in to pick up his lunch order. Turns out ID/Credit card theft is a felony if it is over $2,000 and he was more than happy to help.

Red Robin still made me pay for my lunch, crime be damned.

 

[Fx51LP308]

A few years ago, I was in Denver for business and my CC got abused. I stopped at a nearby Red Robin for lunch and as I was driving the 1/2 mile back to the office, my card company called me. They asked if I had just bought a $3,000 Apple computer and a business class ticket to Kazakhstan? I said, "Nope, I had a burger, salad and fries at Red Robin." Which they had and then these purchases. I drive back to Red Robin and asked for the manager, then I asked if Pavel the waiter was from central Asia? He said yes. I told him what was happening as we were speaking and much to my surprise a random cop walked in to pick up his lunch order. Turns out ID/Credit card theft is a felony if it is over $2,000 and he was more than happy to help.

Red Robin still made me pay for my lunch, crime be damned.

Same thing happened to me in Ontario, Ca. near Rockport. I did a diving trip there and when I came back, I started to receive packages for very small things I never ordered. I guess they were testing it out to see if I actually noticed. Of course, I did. I called my bank and had that sucker blocked immediately. I then had to call all the merchants that shipped the stuff to tell them it was all fraudulent and ask what they wanted me to do. Most were very nice about it. One let me keep the stuff (Gevalia Coffee brewer, I think). The others gave me shipping labels to return the merchandise All of them refunded quickly.

It's one of the reasons why I like all these "automated stations" at fast food restaurants. A human never has to touch your card. And I haven't been to a sit down restaurant in a long time. But I do see where some of them are bringing the machine out to your table so you can swipe it yourself and put in the code yourself. Sucks that Red Robin still made you pay for the meal.

 

[NoDopes]

And now I have to change all the "automatic debits" active on the debit card and hope that none of them bounce before I can on Thrs.

Big mistake.. NEVER put anything auto-pay on debit card. I put all my purchases on capital one card, get 2% cash back and pay it off every month. They have awesome fraud detection and if anything happens they will overnight me a new card.

 

[Darryle]

Get a card you can turn off and on, mine stays off until I need it. I use Apple pay more at pumps and I have to approve the sale with 2 factor authorization. Takes longer, but so far hasn't been a problem.

 

[Fx51LP308]

Big mistake.. NEVER put anything auto-pay on debit card. I put all my purchases on capital one card, get 2% cash back and pay it off every month. They have awesome fraud detection and if anything happens they will overnight me a new card.

Some merchants "demand" it. They won't do business with you without it (or they offer cash incentives if you allow it). They're worried that people will "forget" to pay or pay on time. I'm doing as much as I can to keep from having them do it. Sometimes, after establishing it, you can turn it off, but they will hound you in emails to turn it back on!

And the Debit card involved is a Capital One, BTW. They don't "overnight" anymore.... at least not with me. The best they could do is "No later than 3 business days."

 

[NoDopes]

Capital One may be better for handling issues on debit cards, but traditional banks have always had me file something, then they'll do some research and maybe refund my account at some future date. Credit cards generally refund immediately pending investigation which has never required me submitting anything, just a phone call.

 

[Short-bus]

Uggggghhh! What a nightmare! My debit card must have fallen out of my pocket when I was "hittin' the head" in a public facility. Instinct #1 kicked in and I got the card blocked. Thankfully, no "nefarious" activity prior to blocking.

That said, there were two transactions that were "on hold" pending resolution. One involves a rental car I'm returning later this morning. They have a $300.00 deposit "on hold." Hopefully, they can release the hold and it will drop. But I have to find another way to pay them because the card can't be used anymore and I don't get the replacement until Thrs 01/30. The charge they made covered both the rental amount and the deposit. Hopefully, if they release the hold, I can either let them debit my checking account directly or I can write them a check. I'll do either one. Or, they're nice enough to wait until Thrs. Nah, not happening. And now I have to change all the "automatic debits" active on the debit card and hope that none of them bounce before I can on Thrs.

Moral of the Story: DON'T LOSE YOUR CARD! Be sure you look around after you "complete the paperwork" when in a public facility!

I did everything with a debit card for a long time, and the lesson I learned is to have a credit card, with the bank you bank with, as your primary. Pay it off every single month, and have a debit card as a backup. 2 is 1, 1 is none. With things as essential as finances, it's always a great idea to have a primary, and a secondary, just in case. When I go on long trips, I always have enough cash to to get home from the furthest point I think i'll be, so I have a backup to the backup. Many problems are easiest to fight from the comforts of home.

When your debit card gets jacked, they take your money, and you fight the bank to get it back. When they take your credit card, they take the banks money, and the bank gets to fight to get their money back.

Just my thoughts on the matter.

 

[Fx51LP308]

Capital One may be better for handling issues on debit cards, but traditional banks have always had me file something, then they'll do some research and maybe refund my account at some future date. Credit cards generally refund immediately pending investigation which has never required me submitting anything, just a phone call.

I did everything with a debit card for a long time, and the lesson I learned is to have a credit card, with the bank you bank with, as your primary. Pay it off every single month, and have a debit card as a backup. 2 is 1, 1 is none. With things as essential as finances, it's always a great idea to have a primary, and a secondary, just in case. When I go on long trips, I always have enough cash to to get home from the furthest point I think i'll be, so I have a backup to the backup. Many problems are easiest to fight from the comforts of home.

When your debit card gets jacked, they take your money, and you fight the bank to get it back. When they take your credit card, they take the banks money, and the bank gets to fight to get their money back.

Just my thoughts on the matter.

Thankfully, I was able to get the card blocked/cancelled before any "nefarious" activity was detected. So, nothing to report. What I'm more worried about now are merchants that I've authorized to auto-debit attempting same and getting bounced. All the bounce fees I'll have to pay. Uggggh!

 

[NoDopes]

Capital one also allows you to create "virtual" cards off the account so you can give it out to different merchants and revoke as necessary. Lost card wouldn't affect those charges.

 

[BJames]

I did everything with a debit card for a long time, and the lesson I learned is to have a credit card, with the bank you bank with, as your primary. Pay it off every single month, and have a debit card as a backup. 2 is 1, 1 is none. With things as essential as finances, it's always a great idea to have a primary, and a secondary, just in case. When I go on long trips, I always have enough cash to to get home from the furthest point I think i'll be, so I have a backup to the backup. Many problems are easiest to fight from the comforts of home.

When your debit card gets jacked, they take your money, and you fight the bank to get it back. When they take your credit card, they take the banks money, and the bank gets to fight to get their money back.

Just my thoughts on the matter.

This is the way.

As a guy who travels for a living, a cc with whoever has the best fraud policies is key, cash is a secondary. I have roughly 2-3 cards a year get compromised. I get notifications within seconds of that transaction asking if it’s me, text, then a phone call. Cancel that card immediately, send new one, proceed with life. Pay off transactions as you go or pay off monthly, with my cards there’s a timeline to pay off the transaction without the interest.

Debit cards are for withdrawing cash from the atm, that’s it.

 

[hollowoutadime]

Amazon/Chase, 5% back (amazon credit) on every Amazon purchase. Adds up fast if you're building a house.
Barclays mastercard for everything else on my big remodel. I think you get 60K miles off the bat.

Never had a debit card- no need to expose my checking/savings.

 

[LeftyJason]

A while back I had to change cards. I decided to create a note on my phone note app of what services were tied to automatic from a card. Helps to have on hand if a card needs replaced.

 

[NoDopes]

A while back I had to change cards. I decided to create a note on my phone note app of what services were tied to automatic from a card. Helps to have on hand if a card needs replaced.

Capital one now has a section on my card telling expected future charge likely to occur on exact dates and amounts. Kinda nice, I already knew I was a data mine.

 

[Fx51LP308]

A while back I had to change cards. I decided to create a note on my phone note app of what services were tied to automatic from a card. Helps to have on hand if a card needs replaced.

I have a "Notepad" on my main desktop that does the same thing. I know what I have to change. Most of them involve just changing the number on their website or app (like Amazon or Wal-Mart). Actually, I would have had to do in another few months anyway as this particular card was coming to its given expiration date.

 

[Fx51LP308]

Capital one also allows you to create "virtual" cards off the account so you can give it out to different merchants and revoke as necessary. Lost card wouldn't affect those charges.

I will definitely look into this. Is this available for their Debit cards as well as their credit card? I have both.

 

[Srgt. Hulka]

I don’t even have a debit card… never have. Nobody gets access to my bank account but me. I don’t use ATM machines either. If the don’t take cash or credit card, fuck- em.

 

[Fx51LP308]

I did everything with a debit card for a long time, and the lesson I learned is to have a credit card, with the bank you bank with, as your primary.

I have this, actually. I have both a Capital One debit card (tied to my checking acct) and a Capital One credit card, but the credit line is a bit small. I do have another separate CC (a VISA) with a better credit line.

To be honest, I'm not big on credit card spending. My grandfather had a wise saying, "Make it first... spend it second." I try to honor that by not having a bunch of credit cards, and using debit cards instead. I definitely see the need for having/using CC and not debit when traveling, especially to a foreign country. Some merchants simply won't accept debit cards... period. And, apparently, they know you are using a debit card even it if's set up like a MC or VISA with a similar number. They won't take it. In fact, some foreign merchants will accept only VISA or Master Card, not AMEX or the others. I've had them not take a VISA I had that didn't have the original "blue/yellow" flag design. They didn't think it was a VISA without that original design. That was a long time ago (mid 80's). Hopefully, things are a little better now in that regard. Perhaps, they might even take Paypal or Venmo or Zelle. Even better.

Therefore, I have 1-2 CCs but only for merchants who won't take anything else, and for foreign travel (hotels, etc.). I do acknowledge the financial protections obtained with credit cards when it comes to fraud, etc; (i.e "their" money vs "your" money). So, there is that. Otherwise, it's the tools that facilitate that "make it first... spend it second" mantra.

I'm also aware I may be missing out on the "Rewards" aspect of using CC's (i.e. the Amazon 5% etc. and others). To me, those rewards are the "Crack" that comes with the general "Cocaine" of credit card spending. They're designed to get you to spend more and more. Sorry... Nope! I'm much more willing to forgo those rewards. Small rewards for very large spending and interest rate paying. No thanks.

I guess, in my case, the debits are Primary and the cc secondary. But I can always reconsider.

 

[LuckyDuck]

Good thread- appreciate the OP sharing their experience for what it's worth. Reckon we all do things differently & for our own reasons (and likely previous experiences using one approach vs the other) but regardless...

@Fx51LP308 best of luck to you sir and appreciate the warning/experience share as well.

 

[Fx51LP308]

CASH... Problem solved...

Cash is becoming a bit harder to use, these days. Not impossible, but harder. And, as the govt. wants to start to digitize all spending so they can track it, the merchants who will take cash will start to shrink.

I use Capital One 360 on line. There are no branches near me, no Capital One ATMs. Of course, I can use other ATMs to withdraw cash when needed but I have to pay their fees. I can also use "cash back" services when buying at WAL-MART or similar grocery stores.

The problem is "depositing" cash. None of the ATMs around me accept cash deposits. Probably for "counterfeit" and "money laundering" reasons. Capital One 360 allows me to deposit cash at local stores like CVS pharmacy. They will accept only $900.00 per day of cash for deposit But the essence is they have the clerk checking for counterfeit bills, etc. The cash does clear the bank account immediately upon completing the transaction at the store, so it's like I did deposit it at an ATM. Still, it's a PITA to have to go to the CVS to make a deposit. I can deposit checks, etc. on my phone. Easy. Furthermore, I can also pay for WAL-MART stuff (especially groceries) with cash. as well as do that with other grocers, if I go into the store (i.e. not home delivery). Perhaps, the cash accepting machines also scan for counterfeit bills.

I do hope we never get to a "cashless" society, but, unless we ger our congresscritters to stop it, it seems to be going in that direction.

 

[Fx51LP308]

Update: The deposit hold for the car rental was successfully refunded to my checking account... not via the blocked card. So that's a bit of a relief.

That said, the replacement card has not yet arrived nor do I have tracking info for it. I'll try for a tracking number tomorrow. I think I can also check on my "Manage Delivery" page on Fedex to see if they add a line item for it.

We'll see.

 

[Fx51LP308]

And another update... Some bad news, but mostly good news in re: CapitalOne.

I called Cust. Svc. this morning to try and get my tracking # again. After 5 minutes, the person I spoke to transferred me to a "Supervisor." Let's just say, much easier to understand without being "politically incorrect" as to the reason why.

He advised me that in fact, the original agent I spoke to did not order the replacement card! He apologized profusely and said he would order it immediately today. So I might get it by Fri. 01/31. But then he did something else.

The Good news. He turned on the "tracking feature" on my Capital one website profile, so I could see the progress there. Not only that, he directed me to page where it actually shows my replacment card # and info. They even presented me with a list of sites that I'd need to update that I could check off. I tested it by placing a Wally Order for groceries, and it worked! Once I get the physical card, I can then go do those things for which I need it (fuel pumps, etc.).

Good on Capital One! A bad mishap turned into a fantastic ending!

 

[EddieNFL]

A few years ago, I was in Denver for business and my CC got abused. I stopped at a nearby Red Robin for lunch and as I was driving the 1/2 mile back to the office, my card company called me. They asked if I had just bought a $3,000 Apple computer and a business class ticket to Kazakhstan? I said, "Nope, I had a burger, salad and fries at Red Robin." Which they had and then these purchases. I drive back to Red Robin and asked for the manager, then I asked if Pavel the waiter was from central Asia? He said yes. I told him what was happening as we were speaking and much to my surprise a random cop walked in to pick up his lunch order. Turns out ID/Credit card theft is a felony if it is over $2,000 and he was more than happy to help.

Red Robin still made me pay for my lunch, crime be damned.

A salad? With burger and fries? SMH.