I use my debit card only at ATMs from my own bank. And for anything I buy in person, I don't use the credit card, I get out cash from my own bank ATM and pay for it that way. Occasionally I'll use the CC at the grocery store or Wally World if the ATM is whacked or there's a long line. That's only via chip based terminals, no one there ever sees or touches my card.

I have a handful of regular charges set up with quite legit companies, and that's it. If I use my CC online it's only with very legit companies, like Amazon, and that's pretty seldom.

That's all I use it for. Mostly I try to do cash from the ATM. Obviously if it was something larger purchased in a local store, I might have to use the card. But 99% of what I do in person it's easy to just get out cash and pay for it.

I've been pretty lucky with this strategy and haven't had an incident in over a decade.

The TWC "we're Spectrum now, is a complete mess.

MIL, who is mid 80's, has basic internet that runs $19.99 per month. She is old school, so she mails her checks in well in advance of the due by date.

Gets a letter telling her that her payment is overdue, and the late fee will be $35.00.

After hours of calls, it turns out that Spectrum had the check in hand, THEIR records show it arriving, but never sent it through to the bank for processing.

Even after that finding, they want to charge her the $35.00 late fee.

Exasperated, she tells some dummy, "I'm not paying that! Y'all can sue me.".

Hasn't heard another peep.

For those of you who do not like the RFID enabled cards. Just call your bank and request at CC that does not have the RFID tag. Of course it'll still have the mag strip and the new computer chip that you've all should've been receiving the last year or two.

Both the mag strip and computer chip needs have contact with the device in order to "scan" the card. Where as the RFID only needs to be with in a foot or two to have a reader scan the card and grab all that information.

The typical RFID scanners that are used at POS needs to be with in an inche or two. But the scanner that thieves use can be much further away, typically a foot or two.

KOT

I have Chase credit cards and Amex cards exclusively for purchasing. Both handle it all with a simple 5 minute phone call. Amex even overnights me a new card when it happens. I don’t understand the uproar. Now debit cards, that’s another story but I have no use for one anymore.

Ever spend an hour or two updating all your suppliers with new cc info? Do that 10 times after 10 thefts of your card info and tell me it's no big deal.

+1

Here's an idea.

I have two CCs with each having their own numbers, but under the same account number. Neither card number matches the account number itself. One CC has my name and the other my g/f's name.

Perhaps ya'll can ask your bank if this can be done. Have one card with just your name and use that for the daily outside of the office use. And another with the company's name for supplier use.

So if your daily ever gets compromised, your supplier's card wouldn't be affected. As far as having to change the CC number on those supplier's websites.

KOT