[Supras] Debit Card got Highjacked after using DISCOUNTACPARTS.COM

[cthommes at adelphia.net]

Not confusing at all if you actually read what I've been saying.  I've been saying that carrying debit cards imposes no more of a fraud-based financial risk to a consumer than does carring ATM cards.

Let's not forget that Visa and Mastercard both assure that their zero liability policies apply to ALL consumer Visa or Mastercard branded cards, whether or not they are "credit" or "debit" cards -- provided the transaction in question is a signature based transaction.  You can readily confirm this on both of their websites right now if you need to.  Which seems to establish now that debit cards are also no more unsafe than credit cards, and really invalidates the arguement that one must only use credit cards instead of debit cards.

Now to answer your question, if I had both an ATM card and a signature based debit card, I would much rather the ATM card be in my lost wallet.  That way the card that's actually useful to me is still in my pocket, where I have access to it to use it.  But above all, I'd be most upset if the jar of cash under my matress got lost.

-Craig

---- Hacker J <jonbhacker at yahoo.com> wrote: 
> 
> You have argued Debit cards are safe, and now you tell me ATM cards are not. Very confusing Craig.
> Especially since we seem to have a member here that was just ripped off with his debit card.
> 
> Let me ask you this. If you have a signature based debit card and plain old ATM card, which one
> would you prefer to have in your lost wallet?
> 
> --- cthommes at adelphia.net wrote:
> 
> > LOL!  Never heard of ATM card skimming, eh?  That's only been around for decades.  Thanks for
> > the book recommendation, in any event.
> > 
> > There are precautions that are common sense and merited.  But there are also precautions that
> > are excessive, eliminate handy conveniences, and yet result in negligible (zero even) risk
> > reduction.  Demanding an ATM only card and refusing a debit card on the grounds that you're more
> > likely to be defrauded with a debit card definitely falls in the latter.
> > 
> > -Craig
> > 
> 
> 
> 
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