Being an online shopping advocate, I tell those scared of giving out their credit card number online that it's safer than giving your card to a waitress in a restaurant that carries it out of your sight. And now I can say that giving out your credit card number online is even safer than using it to pay at the pump for gas!
How do I know this? Well, yesterday my bank's fraud department called asking if I used my debit card that morning. No, I only use that particular card to get gas, and I was still in my pajamas and hadn't left the house. They immediately cancelled my card, but not before eleven transactions went through. Obviously someone was planning an extravagant vacation without me. And I presume it wasn't a Melissa McCarthy type from Identity Thief (great movie, btw).
I then remembered my daughter, Macy telling me about credit (and debit) card information being stolen from west Omaha gas stations (where I've also gotten gas recently). Read more here and here on how thieves use skimmers to steal your information at the pump.
Since I used a debit card instead of a credit card, there was a lot more paperwork involved to dispute the charges, and hopefully it doesn't take too long to resolve the problem and get my hard-earned money back!
My friend, Eric Nagel, said that's one reason he only uses a reward credit card for purchases as it's easier to dispute fraudulent charges, plus it's a great way to earn reward points on purchases. Great idea, Eric! But dear readers, remember that it's only a great idea if you're disciplined and pay off your credit card statement every month.
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