Comment on How do I prevent hackers from stealing my debit card information?
OpenStars@kbin.social 1 year ago
For one thing, stop using debit cards on the internet. Credit cards do not take the money out of your account first, thus offering you an additional layer of protection, and many like Discover in the USA are known for offering $0 liability for unauthorized purchases. They can be more of a hassle to use like they may call your mobile number to check on a suspicious purchase, but at this point it seems you want that level of paranoia. Don't miss a rent (or any important) payment bc you have nothing left in your debit account to work with! (Even if it is added back quickly, will it be handled quickly enough?)
muddybulldog@mayheminc.win 1 year ago
Supporting your point of using a credit card over debit. In the US there’s limited liability for a stolen physical card (up to $50) which most of the big card issuers waive to zero. If your physical card is still in your possession (fraud due to breach, skimmers, etc) there’s zero liability, by law.
Any no-fee credit card is better than using debit as long as you use it “in lieu of cash” and pay off the bill every month. My debit cards live in my safe rather than my wallet. They sit there only for the rare occasion I absolutely need to take out cash for something, which is very rare these days.