I appreciate the comments

Comment #8

justxploring — Thu, 31 Jul 2008 16:41:12 GMT

Just one more comment - you can set up most accounts to warn you via email or phone if someone charges an item over a certain dollar amount. Don't know if this is available from all companies. They're called "alerts" For example, if someone walked into a store and used my Discover Card and charged a computer for $500, I would get a notification via email. Doesn't stop the thief of course, but let's you know someone is using your card.

Comment #7

justxploring — Thu, 31 Jul 2008 16:23:23 GMT

http://articles.moneycentral.msn.com/Banking/BetterBanking/DebitCardsAGoodDealGetsBetter.aspx?page=all

Comment #6

justxploring — Thu, 31 Jul 2008 16:21:36 GMT

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 aler... [ More ]

Comment #5

Tenaj — Wed, 30 Jul 2008 21:34:12 GMT

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.

Comment #4

time*treat — Wed, 30 Jul 2008 20:51:56 GMT

Heaven help the poor cashier who might have to count back the change, but that topic is for another day.

Comment #3

ThatScaryChick — Wed, 30 Jul 2008 18:20:21 GMT

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.

Comment #2

justxploring — Wed, 30 Jul 2008 17:57:48 GMT

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 othe... [ More ]

Comment #1

time*treat — Wed, 30 Jul 2008 13:16:52 GMT

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.

Original Blog Entry: I appreciate the comments

Littleoldlady — Wed, 30 Jul 2008 12:26:25 GMT

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.

... [ More ]