Uhhh. From the teller at the credit union. I go once a week
to deposit business checks etc.. If you can walk up
to the instant teller at the bank, you can walk into the bank
too. What am I missing here?
Using cash also makes think about and budget for what you buy.
No surprises at the end of the month.
On Wednesday, September 14, 2016 at 10:52:29 PM UTC-4, T wrote:
That's what I though you'd say (the walking into a bank part)
I'm still trying to figure out how going to a bank for cash and then going into the store at
the gas station is more "convenient" than using a card at the pump.
Granted, I don't receive many checks, but when I do get one, I deposit it by taking a picture
of it and using the app my bank provides.
I don't know what you're missing, but I'm missing the "walking" part. If I need cash
I *drive*up to the ATM.
I'm not surprised because I keep track of my spending on my phone, my iPad, my computer,
the ATM, etc. My bank balances are all instantly available.
Outstanding checks do not show. And if you use on line
banking (I recommend against it), you are risking a
really nasty identity theft. The banks won't secure
their on line services enough, as it annoys the customer
On Thursday, September 15, 2016 at 12:01:30 AM UTC-4, T wrote:
OK, then the conversation has shifted somewhat. I had originally responded
to "mako" who said: "that's why I prefer the convenience of cash". I thought
you were agreeing with him. If it's not about "convenience" then you and I
are on the same page now.
I rarely write checks, *maybe* 4 - 6 a year, if that many. When I do,
it's for big things like taxes, so knowing whether they've been cashed
or not is pretty simple.
Is your card RFID friendly? If so, you don't actually have to give it
to anyone. I could walk within 30 ft of you and snag it without ever
seeing the physical card. If you don't already have RFID protective
wallet, I'd recommend acquiring one. Or, if you really like the non
RFID wallet you have, acquire the slips that go between your cards.
Some do block the radio signals and would stop me (and others) from
getting it by walking near you with the right hardware on us.
The training at one job was very thorough. They taught us how the
'bad guys' work so we could assist in preventing it. The side effect,
if someone wanted to abuse the knowledge, the gameplan was provided
Which isn't a very wise decision on your part. Not only could a temp
hold be placed on your card (if it's a debit card), your card can
also be skimmed right there. A clone could be made with the
information collected on the magnetic strip as a result. Btw, walmart
gift cards are useful for dumping cloned card data onto. I kid you
There is one piece of information that isn't present on the magnetic
strip that will let your bank or others who know how it works know
it's a cloned card and not the original. The expiration date. [g] The
cloned card won't have the correct expiration date, but, contrary to
what you might think, you don't need that to be correct to use the
cloned card for purchases.
The chip card system can only protect you if it's used in that mode.
It still has a magnetic strip for supporting older systems, as well
as the typical information on the plastic itself.
MID: <nb7u27$crn$ firstname.lastname@example.org>
Hmmm. I most certainly don't understand how I can access a copy of a
At 67, I don't ever recall paying for gas with anything but
No intention of changing that now.
I still pay cash for groceries, as well. Only used a card a
couple of times (as I don't carry much cash, either!)
My system, use only one credit card for everything I can. I get a
daily e-mail showing the running balance. No debit card. A couple of
clicks and I can see what's been charged to the card. Yes, I pay it off
every month. Gasoline? I get the 100% gasoline since I don't drive
much anymore and a tank in the pickup or car is apt to last 6 months and
the lawnmower likes it. Pumping gas... that was one my first jobs, for
two bucks a customer expected the windshield cleaned and maybe the oil
checked and the air in the tires. Gas was around 30 cents a gallon back
The majority of this is being done with small readers that are stuck
onto the front of the reader built into the pump. So you can judge for
yourself whether or not the pump has been altered. If in doubt, give a
good yank on the card guide of the reader and see if it comes off and
reveals the real cardguide and slot underneath.
If the crooks are actually picking the locks on the pumps, getting
inside, and installing anything there, good luck with getting gas
station employees to check the pumps. They're not going to know what's
supposed to be there and what isn't, and they're not going to spend much
time on it either. These are generally minimum-wage workers with a very
high turnover, and the managers aren't any better.
In fact, I wouldn't be surprised to find that gas station and C-store
workers are involved with the skimming in some cases.
This skimming is being done on ATMs too from what I've been told.
I think it may be harder for the crooks once all retailers use chip
readers instead of the magnetic stripe. The swiping action of a magnetic
stripe reader means it's fairly easy to add on an additional set of
sensors that pick up the data at the same time the card is being read by
the legit sensors.
A chip reader requires that all the contacts line up so they can be
read. I'm not sure you could do that and read the chip on-the-fly as the
card is inserted and removed from the legit reader.
| I would think it would improve business for the stations - gas is gas - if
| they advertised that they check the pumps for skimmers every day. I'd buy
| there. No such ads though. Seeing any in your area?
I don't think it's that simple. The skimmers
can be very convincing. (After all, people using
them are not suspicious.) Station attendants
have no qualifications to assess whether the
system is somehow being hacked.
If you want to
use credit/debit that's a risk you take. It's also
an extra expense. Fortunately, the credit-lobby
laws forcing stations to offer the same price for
cash or credit seem to be getting phased out.
I've seen some stations with two prices. I'd like
to see the credit card addicts pay for their own
stupidity, rather than my having to subsidize it.
It's not just gas stations. There have been cases
of dept stores, supermarkets and the like, too. There
was one case -- I don't remember the company
offhand -- where fake technicians came into the
store and "updated" card readers at the checkouts.
There's no IT staff standing around in that scenario.
Just clerks and managers who know nothing about
There have been famous cases like Home Depot
It's all surely going to get a lot worse. We're
computerizing aspects of life far more than we
need to. How long will it be before your computerized
frig is hacked and your account drained? Yet people
will say, "There's no other option! What, I'm going
to go to a store to buy food?!"
I use credit cards for everything. I have been hacked twice-both under
Discover card-years ago.
I can look up all transactions daily if I wish. I don't have to worry about
having much cash on me. In fact my wife was pick pocketed and they only
stole the cash and left the cards in the wallet on the ground. I like the
buyers security as in theft reimbursement and charge back in cast of
defective items that a seller refuses to abide by my terms.
Gotta go, was going to post more.
Target stores to change out the card readers but the store managers were n
otified by the corporate office people they spoke to everyday. There were e
ven custom made fasteners with a custom 1/4" drive security bit made just f
or hardware in their stores. The manager kept the driver bit in the store s
t will be able to tell you,"Do as you're told or we'll turn off your money.
" If a government can control your money, it controls you. Look for the use
of cash and barter to be made serious crimes. This nonsense about governme
nt provided health care meaning everyone will be taken care of is the same
kind of MBD, Male Bovine Droppings. "Do as you're told or we turn off your
healthcare." The Commiecrat elite will never get their medical care in the
same facility as the peasants. I'm no conspiracy nut but I've seen the patt
ern forming and the manipulation of the citizenry going on for decades. It'
s media manipulation and it's aimed at different groups over long periods o
f time to change public opinion and behavior of society. Count the number o
f ads for credit cards you see every day. Pay attention to the actors in th
ads to see what the makeup of the couples and families being portrayed appe
ar to be. _?_?_/¯
HomeOwnersHub.com is a website for homeowners and building and maintenance pros. It is not affiliated with any of the manufacturers or service providers discussed here.
All logos and trade names are the property of their respective owners.