Last week I lost my debit card, most likely it is still in my possesion
somewhere, but it wasn't where it was supposed to be.
I noticed it gone about 12 hrs after the last use, and so began the drill
of reporting it lost/stolen.
Call the 800 number and then it dawns on me that I have no idea what the
card number is, unlike a credit card, the number doesn't show up on any
statements nor is it on any of the application documentation or the letter
that it came in.
This made stopping the card difficult but after an hour or so me and the
nice young man from India named Bob managed to verify my identity
and halt the card.
No harm was done, no unathorized charges were incurred.
Write your debit card number down somewhere safe, it will save you a lot
of trouble should it go AWOL.
basilisk
On Tue, 06 Aug 2013 13:15:25 -0500, Leon wrote:
> On 8/6/2013 12:43 PM, basilisk wrote:
>> On Tue, 06 Aug 2013 11:56:54 -0500, Leon wrote:
>>
>>> On 8/6/2013 11:08 AM, Larry Blanchard wrote:
>>>> On Tue, 06 Aug 2013 10:25:17 -0500, Leon wrote:
>>>>
>>>>> I currently use a Discover card for everything that I can use it for. I
>>>>> have had it for 26 months and Discover has PAID ME $1300.00 to use it.
>>>>> Prior to that Citibank paid me an average of $50 a month to use their
>>>>> card for about 4 years. Before that a GM card that knocked off an
>>>>> additional $6500.00 on vehicle purchases after I made my deal. I pay
>>>>> these cards off monthly and have not paid interest or fees on a CC since
>>>>> 1983 and that was a one month mistake.
>>>>
>>>> Other than the vehicle purchase, my story is similar. But with all the
>>>> snooping the NSA's been doing, I may go to cash on general principles :-).
>>>>
>>>
>>> Security cameras are everywhere, they can watch you spend your cash too.
>>> LOL
>>
>> Good point, but I sometimes wonder if we aren't selling our souls for a
>> few
>> reward points and dribblings of interest.
>>
>> basilisk
>>
>
> Do you consider in excess of $10K to be a few reward points and or
> dribblings?
No, but it is all relative, for me reward points contributes a thousand
dollars a year or so to my bottom line(thankyou Visa).
I still perfer to deal in cash when possible, I live frugally except for
a few areas, and those things I do spend a lot on are usually cash.
This is a problem sometimes, buying cars and such with cash draws unwanted
attention as it is considered not playing by the rules.
I even once had a Ford dealer refuse a cash deal, strange world we live
in.
The argument can be made for running every penny through
a credit card and taking every reward possible. I'm not comfortable
doing it. YMMV
basilisk
On Tue, 06 Aug 2013 15:27:07 -0400, Ed Pawlowski wrote:
> On 8/6/2013 7:37 AM, basilisk wrote:
>
>>
>> I use the debit card for every day small purchases.
>> Credit card gets used for higher cost durable goods.
>> Just my preference to do this.
>
> I used to, but no more. Too many stories of stolen numbers so I limit
> exposure. Anything under $100 now is cash, all internet purchases are
> credit cart, not debit. My debit card offers protection, but it may
> take a few days to resolve, meantime the checking balance is potentially
> gone until resolved.
I keep two checking accounts, I keep the balance down on the one
associated with the debit card. Limits the amount of damage anyone could
do, plus it doesn't have an allowance for overdraft.
I use the CC for online and a couple of times a year report it lost to
generate a new number. I also keep the credit limit low on it, even though
I wouldn't
be responsible for unauthorized charges.
basilisk
On 8/6/2013 12:43 PM, basilisk wrote:
> On Tue, 06 Aug 2013 11:56:54 -0500, Leon wrote:
>
>> On 8/6/2013 11:08 AM, Larry Blanchard wrote:
>>> On Tue, 06 Aug 2013 10:25:17 -0500, Leon wrote:
>>>
>>>> I currently use a Discover card for everything that I can use it for. I
>>>> have had it for 26 months and Discover has PAID ME $1300.00 to use it.
>>>> Prior to that Citibank paid me an average of $50 a month to use their
>>>> card for about 4 years. Before that a GM card that knocked off an
>>>> additional $6500.00 on vehicle purchases after I made my deal. I pay
>>>> these cards off monthly and have not paid interest or fees on a CC since
>>>> 1983 and that was a one month mistake.
>>>
>>> Other than the vehicle purchase, my story is similar. But with all the
>>> snooping the NSA's been doing, I may go to cash on general principles :-).
>>>
>>
>> Security cameras are everywhere, they can watch you spend your cash too.
>> LOL
>
> Good point, but I sometimes wonder if we aren't selling our souls for a
> few
> reward points and dribblings of interest.
>
> basilisk
>
Do you consider in excess of $10K to be a few reward points and or
dribblings?
On Mon, 5 Aug 2013 11:11:08 -0500, basilisk <[email protected]>
wrote:
>Last week I lost my debit card, most likely it is still in my possesion
>somewhere, but it wasn't where it was supposed to be.
>
>I noticed it gone about 12 hrs after the last use, and so began the drill
>of reporting it lost/stolen.
>
>Call the 800 number and then it dawns on me that I have no idea what the
>card number is, unlike a credit card, the number doesn't show up on any
>statements nor is it on any of the application documentation or the letter
>that it came in.
>
>This made stopping the card difficult but after an hour or so me and the
>nice young man from India named Bob managed to verify my identity
>and halt the card.
>
>No harm was done, no unathorized charges were incurred.
>
>Write your debit card number down somewhere safe, it will save you a lot
>of trouble should it go AWOL.
>
>basilisk
A scan of all your personal id card ect is a good way to file them
away on paper.
Mrk
On 08/05/2013 03:16 PM, basilisk wrote:
> On Mon, 05 Aug 2013 13:36:55 -0700, SonomaProducts.com wrote:
>
>
>>>
>>> Write your debit card number down somewhere safe, it will save you a
>>> lot
>>>
>>> of trouble should it go AWOL.
>>>
>>>
>>>
>>> basilisk
>>
>> Better yet, send all cards and pin numbers to me for safe keeping.
>
> I wouldn't want to burden you with my vast wealth :)
>
>
AS the old saying goes - "I have a lot of money, but it's all tied up in
debt."
Meanie wrote:
> You shouldn't need the card numbers, the customer rep can obtain
> that
> info after he/she ask you the personal questions related to your
> account. Ex: Last four digits of your SSN, DOB, Phone number, Home
> address, etc. If all they needed was the card number, than any Joe
> Schmoe who steals it can make all the required changes and keep it
> while
> spending your money. Also, if you have to deal with a foreign
> accent
> other than a southern drawl, I suggest changing your financial
> institute.
---------------------------------------------------------------
"basilisk" wrote:
> Sure enough I didn't have to have the number, but it would have been
> much
> less bother to have had it.
-----------------------------------------------------------------
Better yet scrap the bloody DEBIT card and replace it with a CREDIT
card (VISA, MC).
Make the bank take responsibility for resolving problems and EARN the
fees they charge.
With a DEBIT card, you have to resolve your own problems.
Lew
Markem <[email protected]> wrote in
news:[email protected]:
>
> A scan of all your personal id card ect is a good way to file them
> away on paper.
>
> Mrk
Be sure to tape all that private information to your desk, or save it in an
easily found location on your hard drive. I bought a desk a couple of
months ago and found the lady's username and password for things like her
credit union, PayPal, plus presumably her husband's name and driver's
license number.
I was tempted to see if some of it still worked, but just got rid of the
stuff.
Puckdropper
--
Make it to fit, don't make it fit.
On 08/05/2013 02:21 PM, Pat Barber wrote:
> A better solution is to place all your
> cards on a scanner/copier and make a paper
> copy that you find(maybe) the next time this
> happens.
>
> On 8/5/2013 9:11 AM, basilisk wrote:
>
>> Write your debit card number down somewhere safe, it will save you a lot
>> of trouble should it go AWOL.
>>
>> basilisk
>>
>
That's a good solution. A better solution is to use cash.
--
----------------------------------------------------------------------------
Tim Daneliuk [email protected]
PGP Key: http://www.tundraware.com/PGP/
"Pat Barber" wrote:
>A better solution is to place all your
> cards on a scanner/copier and make a paper
> copy that you find(maybe) the next time this
> happens.
------------------------------------------------------
Mikey likes it; however, given my limitation these days of sometimes
not being able to recover hard copy, think I'll scan that page in
memory as a pdf file in an appropriate folder.
If all else fails, can do a "search" of all the drives to retrieve the
file.
Lew
"Pat Barber" wrote:
> A better solution is to place all your
> cards on a scanner/copier and make a paper
> copy that you find(maybe) the next time this
> happens.
------------------------------------------------------
Lew Hodgett wrote:
> Mikey likes it; however, given my limitation these days of
> sometimes
> not being able to recover hard copy, think I'll scan that page in
> memory as a pdf file in an appropriate folder.
>
> If all else fails, can do a "search" of all the drives to retrieve
> the
> file.
>
> Lew
-----------------------------------------------------
"Keith Nuttle" wrote:
>
> If you scan a hard copy document, and create a PDF file, it will not
> be searchable. It is the same as making a PDF of a picture of your
> wife, there is no text to search. As I understand in working with
> genealogical document, you can create a searchable database for the
> image PDF document by doing and OCR of the document.
>
> If you print a PDF document from a word processor, the text is
> maintained as text in the PDF document, and is searchable.
>
> You could search your hard drive for the file name but I forget file
> name so for me that would not work.
-------------------------------------------------
That's me.
I use a folder named JUNK to keep various files.
I don't even try to remember a lot of file names.
Tracking down a specific file from among 20-30 files in the JUNK
folder is NBD, at least not yet<G>.
Lew
"Mike M" wrote:
> Just make sure you hide it so when they break in they won't find all
> your numbers. But most likely you'll forget where it is too.
-----------------------------------------------------
Scan your cards and save as a pdf file named "MyPlasticCards" and save
in a folder named "Junk" located on the root directory.
Worked for me.
YMMV
Lew
"Lew Hodgett" <[email protected]> wrote in news:5202c6fb$0$58739
[email protected]:
>
> "Mike M" wrote:
>
>> Just make sure you hide it so when they break in they won't find all
>> your numbers. But most likely you'll forget where it is too.
> -----------------------------------------------------
> Scan your cards and save as a pdf file named "MyPlasticCards" and save
> in a folder named "Junk" located on the root directory.
>
> Worked for me.
>
> YMMV
>
> Lew
>
>
Just be sure to remove the file (better to format the disk) before you
get rid of the computer. (Even better would be to remove the disk and
keep it, but formatting will stop the curious and tempted from accessing
the file.)
A folder named "Junk" would be one of the places I'd look with interest
when checking out a new used computer.
Puckdropper
--
Make it to fit, don't make it fit.
"Puckdropper" wrote:
> Just be sure to remove the file (better to format the disk) before
> you
> get rid of the computer. (Even better would be to remove the disk
> and
> keep it, but formatting will stop the curious and tempted from
> accessing
> the file.)
>
> A folder named "Junk" would be one of the places I'd look with
> interest
> when checking out a new used computer.
--------------------------------------------
Run Fdisk before you dump the puter.
Problem solved.
Lew
>
> Now I am really confused. You earn $1000 per year from charges but a
> majority of your spending is done so with cash, you are still charging a
> load each year considering that you prefer to pay cash.
> I assume you define cash as strictly government issued currency, not a
> check. Car dealerships and for that matter any business that receives
> cash payments, government currency, in excess of $10,000 are required to
> report that transaction to the government. This is a burden for the
> business to provide extra documentation. Regardless your purchase of an
> automobile is documented with the state government no matter how you pay
> for it.
>
>
Your post got me thinking about how and why I spend with what,
I'll admit that some of the division is just force of habit.
It has a lot to do with who I'm paying.
Even though I prefer to use cash some years it isn't
predominate method, just depends on what I am up to
and how much is on hand.
household, small items, groceries-currency or debit
online or large items from large businesses- credit card
independent contractors or small businesses- currency always
Should I decide I want a car,
truck, or a sawstop I save the money for that
purpose and when I have enough I make the purchase,
depends on where the purchase is made how it's paid for.
I write very few checks 2-3 a month.
basilisk
On Mon, 5 Aug 2013 16:18:02 -0700, Lew Hodgett wrote:
> Meanie wrote:
>
>> You shouldn't need the card numbers, the customer rep can obtain
>> that
>> info after he/she ask you the personal questions related to your
>> account. Ex: Last four digits of your SSN, DOB, Phone number, Home
>> address, etc. If all they needed was the card number, than any Joe
>> Schmoe who steals it can make all the required changes and keep it
>> while
>> spending your money. Also, if you have to deal with a foreign
>> accent
>> other than a southern drawl, I suggest changing your financial
>> institute.
> ---------------------------------------------------------------
> "basilisk" wrote:
>
>> Sure enough I didn't have to have the number, but it would have been
>> much
>> less bother to have had it.
> -----------------------------------------------------------------
> Better yet scrap the bloody DEBIT card and replace it with a CREDIT
> card (VISA, MC).
I use the debit card for every day small purchases.
Credit card gets used for higher cost durable goods.
Just my preference to do this.
>
> Make the bank take responsibility for resolving problems and EARN the
> fees they charge.
>
So far this year the checking account with the debit card has had no fees
charged to it, in fact it pays a small amount of interest.
If your bank is charging you fees you should shitcan them.
In 2013, CC has charged a total of $2.34 interest and fees.
> With a DEBIT card, you have to resolve your own problems.
Debit or CC you still have to report it if you lose the card.
I suppose you could ignore it and see what happens.
>
basilisk
On Tue, 06 Aug 2013 11:56:54 -0500, Leon wrote:
> On 8/6/2013 11:08 AM, Larry Blanchard wrote:
>> On Tue, 06 Aug 2013 10:25:17 -0500, Leon wrote:
>>
>>> I currently use a Discover card for everything that I can use it for. I
>>> have had it for 26 months and Discover has PAID ME $1300.00 to use it.
>>> Prior to that Citibank paid me an average of $50 a month to use their
>>> card for about 4 years. Before that a GM card that knocked off an
>>> additional $6500.00 on vehicle purchases after I made my deal. I pay
>>> these cards off monthly and have not paid interest or fees on a CC since
>>> 1983 and that was a one month mistake.
>>
>> Other than the vehicle purchase, my story is similar. But with all the
>> snooping the NSA's been doing, I may go to cash on general principles :-).
>>
>
> Security cameras are everywhere, they can watch you spend your cash too.
> LOL
Good point, but I sometimes wonder if we aren't selling our souls for a
few
reward points and dribblings of interest.
basilisk
Ok, I'll share my way with you guys...
c:\! (Exclamation marks are often pronounced "bang")
Under that are:
c:\!\Accounts\(with a folder for each account)
c:\!\Maps
c:\!\Medical
c:\!\Home
c:\!\cars\(etc)
The ! sorts to the top of an ASCII list, so it's possible to have
several different segments of sorted folder (and file) names inside a
single folder.
C:\! !\whatever will float to the top
c:\!!\something comes next
c:\!\ after that
and then c:\ordinary file names
On 8/5/2013 6:18 PM, Lew Hodgett wrote:
> Meanie wrote:
>
>> You shouldn't need the card numbers, the customer rep can obtain
>> that
>> info after he/she ask you the personal questions related to your
>> account. Ex: Last four digits of your SSN, DOB, Phone number, Home
>> address, etc. If all they needed was the card number, than any Joe
>> Schmoe who steals it can make all the required changes and keep it
>> while
>> spending your money. Also, if you have to deal with a foreign
>> accent
>> other than a southern drawl, I suggest changing your financial
>> institute.
> ---------------------------------------------------------------
> "basilisk" wrote:
>
>> Sure enough I didn't have to have the number, but it would have been
>> much
>> less bother to have had it.
> -----------------------------------------------------------------
> Better yet scrap the bloody DEBIT card and replace it with a CREDIT
> card (VISA, MC).
>
> Make the bank take responsibility for resolving problems and EARN the
> fees they charge.
>
> With a DEBIT card, you have to resolve your own problems.
>
> Lew
>
An even better suggestion that that, scrap the bank and find a good
credit union to keep your money safe.
The bank works for the bank's share holders.
In a credit union, YOU are a share holder.
On Mon, 05 Aug 2013 13:36:55 -0700, SonomaProducts.com wrote:
>>
>> Write your debit card number down somewhere safe, it will save you a
>> lot
>>
>> of trouble should it go AWOL.
>>
>>
>>
>> basilisk
>
> Better yet, send all cards and pin numbers to me for safe keeping.
I wouldn't want to burden you with my vast wealth :)
On 8/6/2013 11:08 AM, Larry Blanchard wrote:
> On Tue, 06 Aug 2013 10:25:17 -0500, Leon wrote:
>
>> I currently use a Discover card for everything that I can use it for. I
>> have had it for 26 months and Discover has PAID ME $1300.00 to use it.
>> Prior to that Citibank paid me an average of $50 a month to use their
>> card for about 4 years. Before that a GM card that knocked off an
>> additional $6500.00 on vehicle purchases after I made my deal. I pay
>> these cards off monthly and have not paid interest or fees on a CC since
>> 1983 and that was a one month mistake.
>
> Other than the vehicle purchase, my story is similar. But with all the
> snooping the NSA's been doing, I may go to cash on general principles :-).
>
Security cameras are everywhere, they can watch you spend your cash too.
LOL
In news:[email protected],
Puckdropper <puckdropper(at)yahoo(dot)com> belched:
> Markem <[email protected]> wrote in
> news:[email protected]:
>
>>
>> A scan of all your personal id card ect is a good way to file them
>> away on paper.
>>
>> Mrk
>
> Be sure to tape all that private information to your desk, or save it
> in an easily found location on your hard drive. I bought a desk a
> couple of months ago and found the lady's username and password for
> things like her credit union, PayPal, plus presumably her husband's
> name and driver's license number.
>
> I was tempted to see if some of it still worked, but just got rid of
> the stuff.
>
> Puckdropper
your karma credits just increased
On 8/6/2013 9:57 PM, Keith Nuttle wrote:
> On 8/6/2013 10:29 PM, Lew Hodgett wrote:
>> "Pat Barber" wrote:
>>
>>> A better solution is to place all your
>>> cards on a scanner/copier and make a paper
>>> copy that you find(maybe) the next time this
>>> happens.
>> ------------------------------------------------------
>> Mikey likes it; however, given my limitation these days of sometimes
>> not being able to recover hard copy, think I'll scan that page in
>> memory as a pdf file in an appropriate folder.
>>
>> If all else fails, can do a "search" of all the drives to retrieve the
>> file.
>>
>> Lew
>>
>>
> If you scan a hard copy document, and create a PDF file, it will not be
> searchable. It is the same as making a PDF of a picture of your wife,
> there is no text to search. As I understand in working with genealogical
> document, you can create a searchable database for the image PDF
> document by doing and OCR of the document.
>
> If you print a PDF document from a word processor, the text is
> maintained as text in the PDF document, and is searchable.
>
> You could search your hard drive for the file name but I forget file
> name so for me that would not work.
PDF files _can_ have an underlaying text layer that IS searchable.
On 8/5/2013 12:11 PM, basilisk wrote:
> Last week I lost my debit card, most likely it is still in my possesion
> somewhere, but it wasn't where it was supposed to be.
>
> I noticed it gone about 12 hrs after the last use, and so began the drill
> of reporting it lost/stolen.
>
> Call the 800 number and then it dawns on me that I have no idea what the
> card number is, unlike a credit card, the number doesn't show up on any
> statements nor is it on any of the application documentation or the letter
> that it came in.
>
> This made stopping the card difficult but after an hour or so me and the
> nice young man from India named Bob managed to verify my identity
> and halt the card.
>
> No harm was done, no unathorized charges were incurred.
>
> Write your debit card number down somewhere safe, it will save you a lot
> of trouble should it go AWOL.
>
> basilisk
>
You shouldn't need the card numbers, the customer rep can obtain that
info after he/she ask you the personal questions related to your
account. Ex: Last four digits of your SSN, DOB, Phone number, Home
address, etc. If all they needed was the card number, than any Joe
Schmoe who steals it can make all the required changes and keep it while
spending your money. Also, if you have to deal with a foreign accent
other than a southern drawl, I suggest changing your financial institute.
On 8/6/2013 7:37 AM, basilisk wrote:
> On Mon, 5 Aug 2013 16:18:02 -0700, Lew Hodgett wrote:
>
>> Meanie wrote:
>>
>>> You shouldn't need the card numbers, the customer rep can obtain
>>> that
>>> info after he/she ask you the personal questions related to your
>>> account. Ex: Last four digits of your SSN, DOB, Phone number, Home
>>> address, etc. If all they needed was the card number, than any Joe
>>> Schmoe who steals it can make all the required changes and keep it
>>> while
>>> spending your money. Also, if you have to deal with a foreign
>>> accent
>>> other than a southern drawl, I suggest changing your financial
>>> institute.
>> ---------------------------------------------------------------
>> "basilisk" wrote:
>>
>>> Sure enough I didn't have to have the number, but it would have been
>>> much
>>> less bother to have had it.
>> -----------------------------------------------------------------
>> Better yet scrap the bloody DEBIT card and replace it with a CREDIT
>> card (VISA, MC).
>
> I use the debit card for every day small purchases.
> Credit card gets used for higher cost durable goods.
> Just my preference to do this.
>>
>> Make the bank take responsibility for resolving problems and EARN the
>> fees they charge.
>>
> So far this year the checking account with the debit card has had no fees
> charged to it, in fact it pays a small amount of interest.
> If your bank is charging you fees you should shitcan them.
>
> In 2013, CC has charged a total of $2.34 interest and fees.
>
>> With a DEBIT card, you have to resolve your own problems.
>
> Debit or CC you still have to report it if you lose the card.
> I suppose you could ignore it and see what happens.
>>
>
> basilisk
>
I think it is immaterial what you use to pay your bills. Whatever you
use, you must do it responsibility using sound economic practices. You
follow your budget. Unlike the government, you don't spend what you do
not have regardless of how much you feel you need the item.
Just as you would not leave a $100 bill on the counter in the store
where you are shopping you do not leave a credit or debit card.
I have used credit cards since the 1970 and have had no major problems.
They are paid off timely, balances are paid of when billed, or as
quickly as possible.
Personally I use a credit card, as it isolates the the company where the
purchases are made from my accounts. Living in the current climate of
crime it frees me from carrying large amounts of cash. It also gives me
cushion for unplanned expenses, as most responsible companies take
credit cards today.
I review all purchase made using the credit card on a weekly basis, and
if there appears to be a problem immediately contact the card company.
On Tue, 06 Aug 2013 10:25:17 -0500, Leon wrote:
> I currently use a Discover card for everything that I can use it for. I
> have had it for 26 months and Discover has PAID ME $1300.00 to use it.
> Prior to that Citibank paid me an average of $50 a month to use their
> card for about 4 years. Before that a GM card that knocked off an
> additional $6500.00 on vehicle purchases after I made my deal. I pay
> these cards off monthly and have not paid interest or fees on a CC since
> 1983 and that was a one month mistake.
Other than the vehicle purchase, my story is similar. But with all the
snooping the NSA's been doing, I may go to cash on general principles :-).
--
When fascism comes to America, it will be wrapped in the flag and
carrying a cross.
--
When fascism comes to America, it will be wrapped in the flag and
carrying a cross.
On 8/6/13 2:20 PM, basilisk wrote:
> This is a problem sometimes, buying cars and such with cash draws unwanted
> attention as it is considered not playing by the rules.
Yes it does and the assholes can just take your money for "suspicion"
http://www.newschannel5.com/story/18241221/man-loses-22000-in-new-policing-for-profit-case
--
-MIKE-
"Playing is not something I do at night, it's my function in life"
--Elvin Jones (1927-2004)
--
http://mikedrums.com
[email protected]
---remove "DOT" ^^^^ to reply
On 8/6/2013 10:29 PM, Lew Hodgett wrote:
> "Pat Barber" wrote:
>
>> A better solution is to place all your
>> cards on a scanner/copier and make a paper
>> copy that you find(maybe) the next time this
>> happens.
> ------------------------------------------------------
> Mikey likes it; however, given my limitation these days of sometimes
> not being able to recover hard copy, think I'll scan that page in
> memory as a pdf file in an appropriate folder.
>
> If all else fails, can do a "search" of all the drives to retrieve the
> file.
>
> Lew
>
>
If you scan a hard copy document, and create a PDF file, it will not be
searchable. It is the same as making a PDF of a picture of your wife,
there is no text to search. As I understand in working with
genealogical document, you can create a searchable database for the
image PDF document by doing and OCR of the document.
If you print a PDF document from a word processor, the text is
maintained as text in the PDF document, and is searchable.
You could search your hard drive for the file name but I forget file
name so for me that would not work.
On 8/7/2013 6:34 PM, Puckdropper wrote:
> "Lew Hodgett" <[email protected]> wrote in news:5202c6fb$0$58739
> [email protected]:
>
>>
>> "Mike M" wrote:
>>
>>> Just make sure you hide it so when they break in they won't find all
>>> your numbers. But most likely you'll forget where it is too.
>> -----------------------------------------------------
>> Scan your cards and save as a pdf file named "MyPlasticCards" and save
>> in a folder named "Junk" located on the root directory.
>>
>> Worked for me.
>>
>> YMMV
>>
>> Lew
>>
>>
>
> Just be sure to remove the file (better to format the disk) before you
> get rid of the computer. (Even better would be to remove the disk and
> keep it, but formatting will stop the curious and tempted from accessing
> the file.)
>
> A folder named "Junk" would be one of the places I'd look with interest
> when checking out a new used computer.
>
> Puckdropper
>
I believe for a determined hacker just formating the disk will not
remove the files, only delete the information as to thier location.
If you want to remove the files you must use one of the scurbber
programs, like the one in Mcafee Total Protecton called Shredde.
These programs consecutively write nonsense to he file location so the
information can not be reconstructed.
On Mon, 05 Aug 2013 12:21:28 -0700, Pat Barber <[email protected]>
wrote:
>A better solution is to place all your
>cards on a scanner/copier and make a paper
>copy that you find(maybe) the next time this
>happens.
>
>On 8/5/2013 9:11 AM, basilisk wrote:
>
>> Write your debit card number down somewhere safe, it will save you a lot
>> of trouble should it go AWOL.
>>
>> basilisk
>>
Just make sure you hide it so when they break in they won't find all
your numbers. But most likely you'll forget where it is too.
On 8/6/2013 7:37 AM, basilisk wrote:
>
> I use the debit card for every day small purchases.
> Credit card gets used for higher cost durable goods.
> Just my preference to do this.
I used to, but no more. Too many stories of stolen numbers so I limit
exposure. Anything under $100 now is cash, all internet purchases are
credit cart, not debit. My debit card offers protection, but it may
take a few days to resolve, meantime the checking balance is potentially
gone until resolved.
On 8/6/2013 7:46 AM, Keith Nuttle wrote:
> On 8/6/2013 7:37 AM, basilisk wrote:
>> On Mon, 5 Aug 2013 16:18:02 -0700, Lew Hodgett wrote:
>>
>>> Meanie wrote:
>>>
>>>> You shouldn't need the card numbers, the customer rep can obtain
>>>> that
>>>> info after he/she ask you the personal questions related to your
>>>> account. Ex: Last four digits of your SSN, DOB, Phone number, Home
>>>> address, etc. If all they needed was the card number, than any Joe
>>>> Schmoe who steals it can make all the required changes and keep it
>>>> while
>>>> spending your money. Also, if you have to deal with a foreign
>>>> accent
>>>> other than a southern drawl, I suggest changing your financial
>>>> institute.
>>> ---------------------------------------------------------------
>>> "basilisk" wrote:
>>>
>>>> Sure enough I didn't have to have the number, but it would have been
>>>> much
>>>> less bother to have had it.
>>> -----------------------------------------------------------------
>>> Better yet scrap the bloody DEBIT card and replace it with a CREDIT
>>> card (VISA, MC).
>>
>> I use the debit card for every day small purchases.
>> Credit card gets used for higher cost durable goods.
>> Just my preference to do this.
>>>
>>> Make the bank take responsibility for resolving problems and EARN the
>>> fees they charge.
>>>
>> So far this year the checking account with the debit card has had no fees
>> charged to it, in fact it pays a small amount of interest.
>> If your bank is charging you fees you should shitcan them.
>>
>> In 2013, CC has charged a total of $2.34 interest and fees.
>>
>>> With a DEBIT card, you have to resolve your own problems.
>>
>> Debit or CC you still have to report it if you lose the card.
>> I suppose you could ignore it and see what happens.
>>>
>>
>> basilisk
>>
> I think it is immaterial what you use to pay your bills. Whatever you
> use, you must do it responsibility using sound economic practices. You
> follow your budget. Unlike the government, you don't spend what you do
> not have regardless of how much you feel you need the item.
>
> Just as you would not leave a $100 bill on the counter in the store
> where you are shopping you do not leave a credit or debit card.
>
> I have used credit cards since the 1970 and have had no major problems.
> They are paid off timely, balances are paid of when billed, or as
> quickly as possible.
>
> Personally I use a credit card, as it isolates the the company where the
> purchases are made from my accounts. Living in the current climate of
> crime it frees me from carrying large amounts of cash. It also gives me
> cushion for unplanned expenses, as most responsible companies take
> credit cards today.
>
> I review all purchase made using the credit card on a weekly basis, and
> if there appears to be a problem immediately contact the card company.
>
>
I currently use a Discover card for everything that I can use it for. I
have had it for 26 months and Discover has PAID ME $1300.00 to use it.
Prior to that Citibank paid me an average of $50 a month to use their
card for about 4 years. Before that a GM card that knocked off an
additional $6500.00 on vehicle purchases after I made my deal.
I pay these cards off monthly and have not paid interest or fees on a CC
since 1983 and that was a one month mistake.
On 8/6/2013 2:20 PM, basilisk wrote:
> On Tue, 06 Aug 2013 13:15:25 -0500, Leon wrote:
>
>> On 8/6/2013 12:43 PM, basilisk wrote:
>>> On Tue, 06 Aug 2013 11:56:54 -0500, Leon wrote:
>>>
>>>> On 8/6/2013 11:08 AM, Larry Blanchard wrote:
>>>>> On Tue, 06 Aug 2013 10:25:17 -0500, Leon wrote:
>>>>>
>>>>>> I currently use a Discover card for everything that I can use it for. I
>>>>>> have had it for 26 months and Discover has PAID ME $1300.00 to use it.
>>>>>> Prior to that Citibank paid me an average of $50 a month to use their
>>>>>> card for about 4 years. Before that a GM card that knocked off an
>>>>>> additional $6500.00 on vehicle purchases after I made my deal. I pay
>>>>>> these cards off monthly and have not paid interest or fees on a CC since
>>>>>> 1983 and that was a one month mistake.
>>>>>
>>>>> Other than the vehicle purchase, my story is similar. But with all the
>>>>> snooping the NSA's been doing, I may go to cash on general principles :-).
>>>>>
>>>>
>>>> Security cameras are everywhere, they can watch you spend your cash too.
>>>> LOL
>>>
>>> Good point, but I sometimes wonder if we aren't selling our souls for a
>>> few
>>> reward points and dribblings of interest.
>>>
>>> basilisk
>>>
>>
>> Do you consider in excess of $10K to be a few reward points and or
>> dribblings?
>
> No, but it is all relative, for me reward points contributes a thousand
> dollars a year or so to my bottom line(thankyou Visa).
>
> I still perfer to deal in cash when possible, I live frugally except for
> a few areas, and those things I do spend a lot on are usually cash.
> This is a problem sometimes, buying cars and such with cash draws unwanted
> attention as it is considered not playing by the rules.
> I even once had a Ford dealer refuse a cash deal, strange world we live
> in.
Now I am really confused. You earn $1000 per year from charges but a
majority of your spending is done so with cash, you are still charging a
load each year considering that you prefer to pay cash.
I assume you define cash as strictly government issued currency, not a
check. Car dealerships and for that matter any business that receives
cash payments, government currency, in excess of $10,000 are required to
report that transaction to the government. This is a burden for the
business to provide extra documentation. Regardless your purchase of an
automobile is documented with the state government no matter how you pay
for it.
>
> The argument can be made for running every penny through
> a credit card and taking every reward possible. I'm not comfortable
> doing it. YMMV
>
> basilisk
>
On Mon, 05 Aug 2013 18:04:17 -0400, Meanie wrote:
> You shouldn't need the card numbers, the customer rep can obtain that
> info after he/she ask you the personal questions related to your
> account. Ex: Last four digits of your SSN, DOB, Phone number, Home
> address, etc. If all they needed was the card number, than any Joe
> Schmoe who steals it can make all the required changes and keep it while
> spending your money. Also, if you have to deal with a foreign accent
> other than a southern drawl, I suggest changing your financial
> institute.
Sure enough I didn't have to have the number, but it would have been much
less bother to have had it.
basilisk