Wild Swings
A cautionary tale...
I use my debit card an awful lot in public, saving my credit card and it's federally mandated fraud protection for the web. I wouldn't say I act irresponsibly with it, and I feel I tend to be a pretty harsh critic in that regard. So, I was quite surprise when I went to buy lunch, and my card was declined.
Following lunch, I called the bank and they said that someone in Turkey had used my card, so they had put a hold on the number. I told them to go ahead and cancel the card. The two offending transactions totalled over $3500. To my bank's credit, they corrected my account within three hours. To my bank's discredit, they had tried to contact me about the situation (before I was aware of it) at home during working hours, when they had my work number on file (I asked and confirmed it). They did this twice, on two different days. I hate to think what would have happened had I been pulling an all-nighter.
I use my debit card an awful lot in public, saving my credit card and it's federally mandated fraud protection for the web. I wouldn't say I act irresponsibly with it, and I feel I tend to be a pretty harsh critic in that regard. So, I was quite surprise when I went to buy lunch, and my card was declined.
Following lunch, I called the bank and they said that someone in Turkey had used my card, so they had put a hold on the number. I told them to go ahead and cancel the card. The two offending transactions totalled over $3500. To my bank's credit, they corrected my account within three hours. To my bank's discredit, they had tried to contact me about the situation (before I was aware of it) at home during working hours, when they had my work number on file (I asked and confirmed it). They did this twice, on two different days. I hate to think what would have happened had I been pulling an all-nighter.
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