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April 23, 2024, 8:31 pm
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I appreciate the comments
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Thank you guys for the comments. I understand all but where I live "card crime" seems to be very high. BOA puts your picture on their cards but thieves have found a way to take the picture off and put their own on there. One lady got taken for 15,000.00 over a week-end/holiday period. I have seen people go in Walmarts and try to buy merchandise with "questionable cards". people will take your money if you leave your card in the machine. Here, people seem to be desperate or something..I don't know but I watch my things with a "hawk eye". The attitude by many is that stealing is okay. I don't steal and that is why I get very, very angry when someone takes something from me. My Dad always told us, "If its not worth asking for, then its not worth having." I try to help folks out when I can but when they start asking ALL of the time, I start saying no.
Comments
2. Not every place accepts cards (try having a car breakdown in the middle of podunk), so carrying them is not always your best option - despite popular propaganda by the banks and the useful idiots that trust them.
I'm not sure, time*treat, why you would say banks that give out debit cards are promoting propaganda. You don't have to use them. An ATM card is for your convenience. I've read that some banks charge if you go to a teller, but I've never gotten a fee from any bank. Most banks promise to replace any money stolen from your account, but I wouldn't want to go through that hassle. However, I have to admit that I use the debit card from my checking all the time at Publix, Walgreen's and other places where I can get cash back. But I monitor that carefully by checking my account online. Actually, in the time it took to write one comment on LP, you can check a bank account, a credit card, etc. That's why I'm surprised when people say they found out about ID theft or fraudulent charge a month later. That said, I know many people don't use computers.
LittleOldLady, thanks for this blog entry. I guess like most people, I tend to look at the world with tunnel vision, although I try to be open-minded. I can't make a decent living here and wanted to move to another state, but all the statistics show very high crime rates wherever I've looked. Even 25 miles from here there's lots of crime. Everytime I turn on the news there's another shooting in Fort Myers or Cape Coral. It's only going to get worse.
Regarding helping folks, you sound like a kind & patient person. One thing I learned, however, is that many people ask for help but don't want to hear the truth. 2 of my neighbors I warned still bought homes (one was a mobile & the other a condo) Now both of them are in trouble. One of them didn't pay for an inspection and the Board of Health condemned his condo building due to hazardous mold. He moved back into an apartment. Another figured he'd skip a couple of car payments because he needed the money for something else and then knocked on my door when his car was repossessed. I keep telling my next door neighbor about the stimulus check (she's getting soc sec) & she hasn't done a thing. My neighbor whose husband died in May is still getting his disability check by direct deposit. I told her she needs to notify Social Security because she also gets her own soc sec check, so that's fraud. She just smiled and said "they're so screwed up, it'll take them years to figure it all it." Hope she enjoys prison food. I know I often sound uncaring & mean, but I get frustrated hearing these stories.
I have even used my moms card once. And my mom is white and I am half black/white. We do look similar, and you could tell we are related but I am obviously not her and the grocery store still took the card without hesitation. It's kind of scary. I mean, we use each others cards all the time, but we are family. If we lost the card, it would be so easy for someone to just start spending with it.
Heaven help the poor cashier who might have to count back the change, but that topic is for another day. :-)
But according to the Fair Credit Act - if you debit card is stolen and if you report it before it is used you are only liable for $50.
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre04.shtm
I guess my situation was different because the Hoosier Cabinet was $900.
Scary, I hear what you are saying, but this is what I mean when I often post about responsibility. When I got divorced (don't yell at me for being stupid) I allowed my ex to use one of my cards. He promised to pay the bills. So who was responsible when I found out it was 90 days past due? I was! That was a long, long time ago before photos were on cards, but I still got him a card with his name of it. If your Mom hasn't reported any cards missing or stolen, there is nothing that alerts the clerk or cashier to check it. I've never had a bank card with a photo. In fact, for at least a year or 2, many stores ask the customer to swipe her own card so they never take possession of it. I'm not trying to be argumentative, but if a person loses something of value, it's customary to report it immediately. After that, all store processors will tell the cashier to call the processing center.
Tenaj, I guess there were some new bills passed last year. This is a good article from 2007. So I guess there is something called "The Electronic Funds Act" as well.
http://articles.moneycentral.msn.com/Banking/BetterBanking/DebitCardsAGoodDealGetsBetter.aspx?
page=all
It says: The Electronic Funds act, which covers debit cards, says liability is dependent on how quickly you report the loss or theft. If you report the theft within two business days, you are liable only for $50 in unauthorized use. If you don't report the loss in two business days, according to the Federal Trade Commission, "you could lose up to $500 because of an unauthorized transfer. You also risk unlimited loss if you fail to report an unauthorized transfer within 60 days after your bank statement containing unauthorized use is mailed to you. That means you could lose all the money in your bank account and the unused portion of your line of credit established for overdrafts."
http://articles.moneycentral.msn.com/Banking/BetterBanking/DebitCardsAGoodDealGetsBetter.aspx?page=all
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