Just got a call from the bank.

"Dr. Zoidberg - RIP Oppo" (thetomselleck) 01/17/2018 at 13:05 • Filed to: it's my money and I want it now!

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Apparently someone swiped my debit card number. Ran a few charges under $50.00 to a fake dating website and a fake credit verification site. Thought maybe I or my wife had lost the card at some point. Nope, opened my wallet at it was right there with me. So it could have been read on any of my errands from Monday: O’Reilly’s, Lowes, Safeway, gas pump, who knows.

So I have to go get a new card at my credit union, make sure any of my auto-pay bills that are tied to the previous card get changed to the new card. Minor inconveniences, but still very annoying. Lots going on right now, anything added to my heap just pisses me off.

HammerheadFistpunch > Dr. Zoidberg - RIP Oppo 01/17/2018 at 13:08

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Thats annoying. That happened to me once AND my in-laws at the same place we found out (an ink refill joint)

Wacko > Dr. Zoidberg - RIP Oppo 01/17/2018 at 13:12

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so this is how you explain all those porn site charges to your wife.

naked tranny for your time

Chariotoflove > Dr. Zoidberg - RIP Oppo 01/17/2018 at 13:16

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We had that happen just recently with our credit card. At least Chase flagged the purchases and denied them.

Rico > Dr. Zoidberg - RIP Oppo 01/17/2018 at 13:16

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This is why I avoid paying using my debit card as much as I can when I’m out and about. I always do credit card or Apple Pay just because the risk to the account is much less. My friend got their debit card stolen and it took the bank almost two weeks to deposit the money back into their checking account. This can be a huge issue if the amounts are in the hundreds of dollars.

shop-teacher > Dr. Zoidberg - RIP Oppo 01/17/2018 at 13:21

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Bastards.

Dr. Zoidberg - RIP Oppo > Rico 01/17/2018 at 13:23

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Yeah I was lucky in that they were small purchases on blacklisted websites.

Steve in Manhattan > Dr. Zoidberg - RIP Oppo 01/17/2018 at 13:26

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Hooo boy that could have been a lot worse.

Rico > Dr. Zoidberg - RIP Oppo 01/17/2018 at 13:27

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Definitely! For my friend it was closer to $800 which is what prompted me to put all kinds of alerts on my Chase account and a threshold of $5 so if someone so much as withdraws $5 or swipes my card for $5 I get a push notification right away.

Highlander-Datsuns are Forever > Dr. Zoidberg - RIP Oppo 01/17/2018 at 13:30

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I’ve had this happen twice now. I think it’s part of the huge data breaches at places like Target etc... or that shady AF pizza joint I went to that one time.

Textured Soy Protein > Rico 01/17/2018 at 13:34

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Same here. The fraud protections on credit cards are much better and they’re not directly tied to your bank account where a fraudulent purchase can tie up all your money.

I use my debit card for certain auto-pay bills that don’t do a direct ACH transfer, and at my favorite supermarket that only accepts debit, not credit, cards to keep their transaction fees lower and pass the savings on to YOU!

FoilyDoily > Dr. Zoidberg - RIP Oppo 01/17/2018 at 13:54

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Often, whoever swiped the number sits on it for a while. So they could have had your card for any number of weeks before running some test charges. This has happened to me twice and it is annoying and makes things miserable during the transition to the new card. Glad it was caught pretty quickly though.

nerd_racing > Dr. Zoidberg - RIP Oppo 01/17/2018 at 13:55

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Looks like you caught Mrs. Zoidberg cruising dating sites!

I kid I kid. Good thing you caught them quickly.

Rico > Textured Soy Protein 01/17/2018 at 14:00

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Exactly! Lol that supermarket reminds me of Jet.com they will lower the price of various items if you pay via debit card.

EngineerWithTools > Highlander-Datsuns are Forever 01/17/2018 at 14:02

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Shady AF Pizza is my favorite.

(I’ll see myself out.)

Rusty Vandura - www.tinyurl.com/keepoppo > Dr. Zoidberg - RIP Oppo 01/17/2018 at 14:08

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I rarely use the debit card for anything but withdrawing money of buying gas at an AMPM. Visa is my friend because they can afford to give away money to thieves.

Rusty Vandura - www.tinyurl.com/keepoppo > Textured Soy Protein 01/17/2018 at 14:15

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I almost wish I could unsee that. Now, you have to watch this:

TFSIVTEC drivesavolvo > Dr. Zoidberg - RIP Oppo 01/17/2018 at 14:17

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I’ve been using Apple Pay wherever possible, these are getting harder to spot:

smobgirl > Dr. Zoidberg - RIP Oppo 01/17/2018 at 14:31

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It’s happened to me five times in the past 3 years, and I’m always out of town when my card gets shut off. It’s such a pain.

Textured Soy Protein > Rusty Vandura - www.tinyurl.com/keepoppo 01/17/2018 at 14:42

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I like that for the same reason I enjoy Woodman’s commercials.

Shamoononon drives like a farmer > Highlander-Datsuns are Forever 01/17/2018 at 14:54

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Anytime I try to use one of my card at Target it immediatly get flagged for fraud and shut down until I call them. It took me three times before I knew for sure what was happening.

Dr. Zoidberg - RIP Oppo > Rico 01/17/2018 at 15:04

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Also: regarding paying with credit cards, what’s the magic number I need to keep paying off my balance towards? If the balance is too high, my report will say stuff like excessive balance to allowance ratio (I butchered that term there). But if it’s too low, it’ll say not enough debt history lol

Rusty Vandura - www.tinyurl.com/keepoppo > Textured Soy Protein 01/17/2018 at 15:35

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And extra points for his so-eighties suit.

diplodicus > Dr. Zoidberg - RIP Oppo 01/17/2018 at 15:36

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According to creditkarma 0-29% of available credit has the highest impact for increasing your score. They actually have it split into 0-9 and 10-29 but they use the same color green!

Apparently having credit inquiries removed increases your score also? I just noticed when I was on the app my credit union removed and inquiry so my score went up?

Chan - Mid-engine with cabin fever > Dr. Zoidberg - RIP Oppo 01/17/2018 at 15:53

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Isn’t keeping any credit card balance at all annoyingly expensive and detrimental to credit rating? I never leave anything unpaid.

Arrivederci > Rico 01/17/2018 at 15:55

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This! Use a credit card for monthly expenses/shopping. You earn points in a hurry, and if you pay it off every month you won’t pay any interest. We generally spend enough to get 3-4 free flights per year.

The best part? If someone jacks it online or in person, it’s the bank’s money their spending, not yours.

Rico > Arrivederci 01/17/2018 at 15:58

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It’s a great buffer between your money and thieves. I try to pay everything via CC but some companies charge 3% for CC payments so I understand why some people pay via debit. I’m currently sitting on $2100 in rewards points that I will be using for a trip to Amsterdam this summer.

fintail > Dr. Zoidberg - RIP Oppo 01/17/2018 at 16:12

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Betcha it was the gas station.

I’m a luddite who doesn’t even use a debit card. Credit or cash, mostly credit.

Rico > Dr. Zoidberg - RIP Oppo 01/17/2018 at 16:43

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Who knows what those credit card company algorithms want. I pay off all my balances and my score has increased and dropped randomly for seemingly no reason. I had been hovering at 804 for almost a year and it has now dipped back to 790-ish with literally no change in spending or new accounts.

Wacko > Wacko 01/17/2018 at 17:31

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I was kinja’d since there was a pic of a Lexus’s transmission

haveacarortwoorthree2 > Dr. Zoidberg - RIP Oppo 01/17/2018 at 17:45

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Maybe I’m too old, but I just don’t use a debit card for anything. And my wife seems to like using the credit card as well. Man, does she like using the credit card!

haveacarortwoorthree2 > Rico 01/17/2018 at 17:48

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I use my primary cc for business and personal. We get dinged for excessive utilization even though the damn thing is paid in full every month. How in the eff can that be excessive utilization? I was told to get another cc or 2 in order to fix that, so we did — no effect. I just gave up at that point.

Dr. Zoidberg - RIP Oppo > haveacarortwoorthree2 01/17/2018 at 17:52

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Apparently I’m in a large minority of people who use debit for everything :X

haveacarortwoorthree2 > Dr. Zoidberg - RIP Oppo 01/17/2018 at 17:56

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Almost all of the younger folks I worked with used debit for their everyday purchases. I don’t know whether it’s because I didn’t have a real cc to use until I started working and thus paid cash for everything (debit cards were just referred to as “money cards” in those days because you could only use them at AMTs!) or I like to yell at clouds, but my two options remain cash and cc.

pip bip - choose Corrour > Dr. Zoidberg - RIP Oppo 01/18/2018 at 05:17

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that sucks.

i just got my wallet back after losing it on the weekend. left it at a train station. all cards/cash intact

Tristan > Dr. Zoidberg - RIP Oppo 01/23/2018 at 00:43

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Mine got skimmed in Arizona last year. I spent $4,700 in Ho Chi Minh City, Vietnam before my bank thought to give me a buzz.