TexasCHLforum.com

I have had several incidents of CC/debit card info theft and use. One was with a debit card that was a week old. Used it in the morning at a store and saw later that another transaction took place that afternoon. I confronted the store and got them to provide a transaction log which indicated the items and the fact they withdrew cash as well. None of the items were of the brand or type we used and I had indisputable proof I was at home when the sale took place. The store manager refused to call up the video from the 39 cameras they have in place. That indicated to me they were in on it or knew that they had a problem. Police were not interested at all and I had to force them to give me a case number. What I found out was debits are completely unprotected from a consumer standpoint. My card is a debit/credit from my CU. I learned that using it as a credit transaction from my account instead of a debit gives me protection from fraudulent use. I never do debit transactions.