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Your insurance card has your address on it, is easier to grab than the GPS is to turn on, and is required to be in the vehicle.
and as for giving pin numbers... my pin number is not the same as hubbies pin number... and if he sent me a text message asking me for his pin number I think I would be calling him back to check if he had whacked his head or something. I will still have family members listed as who/what they are because if something happens to me instead of meaningless names, EMT's or whoever will have ICE/hubby, and MOM to call. |
Great tips..thank you for sharing.
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Originally Posted by Peckish
(Post 4899162)
I am a little suspicious of the part where the bad guys withdrew "all" their money from the bank account... Every bank account I've ever had access to, both personal and (as a bookkeeper) business, has a $300 daily limit.
But the advice is good. My husband is listed by his name in my cell phone, I do not leave my GPS in my car, and my home address is not "home", it's simply another address. |
Originally Posted by Stitchit123
(Post 4902395)
I use a debit card for purchases but the first time I used it at the ATM to save time Well I messed up I only wanted $100 and got $1000 -I no longer have that kind of money-so I had to go in and return the excess and the teller said the only limit is whats left in the ATM machine and the customer has to set up a daily limit for ATM withdrawals
My insurance card does not have my home address printed on it, but my registration from the DMV does, and that HAS been stolen from my vehicle. It's also required by law to be in my vehicle, so I'm not sure how you get around that, unless you hide it somewhere good (and thereby make the police officer who pulled you over verrrry nervous when he asks for your registration). |
I think my bank has a $300 daily limit for ATM by default - and that includes debit with pin # --- I had to call them and have that changed, since everything over a weekend technically posts to the following business day $300 isn't much on a long weekend - I can spend more than that in 1 grocery shopping trip! The daily limit on debit as credit card was $1000 I think too... I did notice the ATM itself has a $500/transaction limit now. I think that's more to keep you from emptying the machine than anything. But, the bank sets the policy.
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Oh, I was talking about cash withdrawals, not point-of-sale transactions. Point-of-sale can go as high as you want. However, you can only withdraw $300 CASH maximum per day. So, if someone were to steal your card and get your pin, the most they could withdraw from your account would be $300 per day. However, if they were able to successfully use your debit card to make purchases, then the amount is unlimited (or limited to what's in the account).
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Great info!!!
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My bank doesn't group it to cash/purchase - they lump it in pin/non-pin. So ATM and pin purchases both come out of the same limit - so a $300 limit would include the $40 I took out of the ATM and the $200 I spent on groceries. Silly banks
Originally Posted by Peckish
(Post 4902666)
Oh, I was talking about cash withdrawals, not point-of-sale transactions. Point-of-sale can go as high as you want. However, you can only withdraw $300 CASH maximum per day. So, if someone were to steal your card and get your pin, the most they could withdraw from your account would be $300 per day. However, if they were able to successfully use your debit card to make purchases, then the amount is unlimited (or limited to what's in the account).
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Originally Posted by shnnn
(Post 4902683)
My bank doesn't group it to cash/purchase - they lump it in pin/non-pin. So ATM and pin purchases both come out of the same limit - so a $300 limit would include the $40 I took out of the ATM and the $200 I spent on groceries. Silly banks
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Oh my goodness.... I never thought of any of these sneaky idea. I guess I wouldn't make a very good thief.
But seriously, many thanks for the tips. I'm going to post on my facebook. |
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