COMMENT 330697
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2012-10-12 12:20 PM |
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Why not get a CC that allows you to make a VIRTUAL CARD via the Internet? I use a Citicard Mastercard for EVERY purchase on the Internet and NEVER give my "real" CC number. I don't trust the Internet merchants to protect my CC number. Yes, it's annoying to have to stop and bring up the CC image and make a virtual card but it's less annoying and less dangerous than giving out your REAL CC number on the Internet.
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COMMENT 330502
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2012-10-11 05:09 PM |
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If you run a VISA/MC debit card as credit (ie without your PIN) then you are covered by VISA/MC just as if you were using a normal credit card. Most of the time you can do this by either selecting credit at the machine, or hitting cancel if it asks for your PIN, or telling the cashier either to run it as a credit card or just telling them it's a credit card.
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COMMENT 330499
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2012-10-11 05:03 PM |
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Agreed with 483 & 485 - I was refunded (it took a week or so with Chase), as was a coworker who had the same issue around the same time. Honestly, I think any time your card is used to buy $600 bucks worth of gas in LA, it's pretty obvious to the banks that a card skimmer was used. Your bank apparently sucks, and you should out them here as well as file a complaint. Course, if you didn't realize that fraudulent purchases were made until over a month or two later or something, that's really your fault, as you're supposed to check your account monthly and the banks aren't liable.
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ROGER DODGER
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2012-10-11 04:48 PM |
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I heard this sort of thang is going on all over the County..
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COMMENT 330483
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2012-10-11 04:26 PM |
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460 - I have personal experience as well. I work at a bank and there are federal regulations that require the bank to refund an unauthorized debit. They do have 10 ten days before they are required to credit you so they can do an investigation, but generally at least the bank I work for, will credit you more timely than that. If your bank didn't refund an unauthorized debit, you should probably file a complaint with their regulators, as they ARE legally required to reverse the charge, as there are numerous consumer protection laws banks are required to comply with. That said, I use my credit card 99% of the time. Debit only when I have to.
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COMMENT 330485
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2012-10-11 04:26 PM |
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@442- There's actually a Federal Regulation (the government), Regulation E, that limits the consumer's liability for unauthorized fund transfers to $50 as long as the customer notifies the institution in a timely fashion. If you wait a year and then realize it then you won't get your money back, but if you notice it on your last bank statement you will. It's the LAW.
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COMMENT 330460
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2012-10-11 03:47 PM |
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442- Unless you've got video/other evidence, no way in hell. I've had personal experience in this, and it SUCKS. Banks are not your friends, they are corporations aimed toward making profit and are simply not going to give money back to you if they don't legally have to. Furthermore, even if you do get the money back, you're outta luck until then! Think about it - do YOU want to eat the costs of identity theft, or would you rather a huge corporation that makes billions of dollars in interest pay for it, when it is part of their duty as a creditor? Easy choice for me - choose credit over debit every time.
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COMMENT 330452
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2012-10-11 03:23 PM |
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Learn what the word hack means before using it next time *rolls eyes*
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COMMENT 330448
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2012-10-11 03:05 PM |
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MSSB, this doesn't sound like a skimmer issue. According to the OP, the stolen card info was used near the company's headquarters. That makes it sound like the company has poor security; retaining data that should not be retained and failing to protect it. It would be a heck of a coincidence if someone skimmed the card locally, sold the info, and it just happened to be used for the first time in Illinois.
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COMMENT 330447
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2012-10-11 03:01 PM |
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446, oops - you're right! my bad. good thing I'm going with netflix now....
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COMMENT 330446
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2012-10-11 02:56 PM |
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418, you still have to swipe your card even if you reserve/pay online. it's the only way to pick up the movie.
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COMMENT 330447
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2012-10-11 02:43 PM |
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433: 9 times out of 10 the bank isn't going to give you back the money? Is that a fact? No, it's not. The bank is governed by law and will credit you the money.
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COMMENT 330437
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2012-10-11 02:31 PM |
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This happens too frequently at gas stations in this area. Skimmers are a growing problem. 404- being cautious is not naive it is smart. If a business has repeated issues why take the chance for a movie? It is true that many places have your card number if you use it frequently. Just like everyone you ever write a check to has your bank account information, still no reason not to be careful.
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COMMENT 330460
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2012-10-11 02:27 PM |
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ALWAYS use credit when you have the choice between credit/debit. Credit works differently than debit, and if it wasn't you that used your card, they legally cannot make you pay. Debit however...same as cash in your pocket. Once someone steals it, 9 times out of 10 the bank isn't going to give you back the money.
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COMMENT 330483
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2012-10-11 01:57 PM |
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just reserve/pay for it online and never swipe your card at the box. or get a dvd only plan from netflix. dvd.netflix
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COMMENT 330412
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2012-10-11 01:40 PM |
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My ATM/debit card got scanned at Thrifty gas; the gas station on state st at the bottom of 154, last year. I check the activity on my account frequently and noticed that within one week there were four charges at gas stations in LA. It wasn't me---I was always at work! My bank was very kind to redeposit the $$ into my account (almost $500.). I never use the pay-at-the-pump anymore. Just a heads up.
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COMMENT 330460
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2012-10-11 01:11 PM |
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I mean...you guys realize any company you ever used a credit card at has your number, right? And that any employee, at any one of these companies, could possibly commit credit fraud and use your card numbers, right? I guess that's your choice if you'd like to avoid ~$1/night movies just because someone somewhere could get your credit card number...considering the circumstances and how many other places people use their credit cards already seems kinda really naive...oh well, more movies available for the rest of us!! Side note, OP, how do you know it was Redbox that got your number? Just curious.
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COMMENT 330402
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2012-10-11 01:10 PM |
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You can use a prepaid card for things such like this - if you keep a low balance and it gets hacked it's not the end of the world.
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COMMENT 330398
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2012-10-11 01:05 PM |
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Always have avoided Redbox - something shady about it. 372 - low limit cards can have a bad effect on your credit report (if you have good credit, you can't even get one). Try this - open a checking account with a debit card attached to it - you control what's in there and there's no negative impact on your credit. Still going to avoid Redbox though.
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COMMENT 330381
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2012-10-11 12:04 PM |
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Thanks for the heads up. I have never used Redbox but I have a coupon for a free rental. Guess I won't be using it.
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COMMENT 330372
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2012-10-11 11:46 AM |
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I'm thinking of getting a credit card with a $100 limit just to frustrate the hacker dudes.
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