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posted by
LaminatorX
on Wednesday March 19 2014, @03:53PM
from the sensative-and-I'd-like-to-stay-that-way dept.
from the sensative-and-I'd-like-to-stay-that-way dept.
sl4shd0rk writes:
"Although not as ubiquitous a name in digital security as Bruce Schneier, Brian Krebs has dealt (first hand in some instances) with much of the same related criminal activity. Krebs has some good tips worth reading for anyone interested in mitigating identity theft. If the infamous Target breach, and others like it, are any indication of how your sensitive customer info is 'secured' by retailers, it may be only a matter of time before your information is compromised."
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Tips from Brian Krebs - When Your ID Gets Pwned
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I'm not a robot like you. I don't like having disks crammed into me... unless they're Oreos, and then only in the mouth.
-- Fry
(Score: 5, Interesting) by SuperCharlie on Wednesday March 19 2014, @05:44PM
In the last 12 months, the wife and I have been re-issued compromised cards 3 times, once for the Target thing. It seems that if you have credit or debit cards that you should expect them to get digitally stolen. Luckily for us WE were declined before any money was taken, which makes me glad we had multiple accounts we could use for card transit times. We only use debit, no credit cards. (lookit me..whee no CC debt) I would suggest having at least 2 bank accounts so that if one is hosed, you dont go hungry or get surprised with an empty gas tank and no card that works.
(Score: 5, Insightful) by Angry Jesus on Wednesday March 19 2014, @07:04PM
If you must use a card, credit cards are by far the better choice.
The law has much better protections for credit card users than debit card users.
When debit card fraud occurs, your money is stolen, when credit card fraud happens, it is the bank's money. While your bank may have policies for refunding debit fraud, none of them cover things like bounced-check fees from landlords and car loans nor do they do anything about the subsequent dings on your credit report.
The only type of person who should use a debit card is the type of person who can't qualify for a credit card.
I only use a credit card for online purchases and I only do so through disposable CC#'s like BoA's ShopSafe [bankofamerica.com], Citibank's Virtual Account Numbers [citibank.com] and Abine's MaskMe. [businessinsider.com]
(Score: 4, Insightful) by KilroySmith on Wednesday March 19 2014, @08:17PM
Gotta agree. Having your debit card compromised on a Friday afternoon means that you could have no card, and no money left in your checking/savings accounts, until sometime next week when the Bank chooses to maybe compensate you. I've hard long arguments with my bank because they insist that my ATM card HAS to be a VISA Debit card; to me an exposure that I don't want to take.
For day-to-day expenses, I use a credit card (and I also have no credit card debt, at least after the 14th of every month when I pay it off). Between my wife and I, we have three credit cards - she carries two, and I carry two. If she loses her wallet (as she's done several times in the last 5 years), I have a credit card that she doesn't carry so I don't get stuck in Timbuktu on a business trip with all my credit cards cancelled. Similarly, if I lose my wallet, she has a card that I don't carry so she's not stuck somewhere.
The protections on Credit Cards are just too large to risk carrying/using Debit cards, IMHO, if you have the option.