Use Your Debit Card Safely

Photo: kironews

Part of being prepared is to protect your resources, this includes your financial resources. The more a technology becomes mainstream the more hackers and thieves concentrate on figuring out how to use it to get into your pocket. Your debit card is not always the safest method of payment.

• Always carry your debit card in an  RDF wallet or card holder.  Since this article was written this additional threat has reared it’s head and the wallet or card holder or sleeve prevents your card from being hacked while still in your wallet or bag.

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RDF card holders or card sleeves  available here >>https://amzn.to/2qu7lyB

• Thieves now also have devices that can read your pin number based on the heat signature left on the debit machine or cash machine. I recommend you put your hand over the numeric pad after entering your pin to cover your entry heat signature with your palm signature encompassing all the digits making it harder to determine which numbers you actually entered on the key pad.

The newer cards with the micro chip prevent the need to enter your pin number however they do not prevent the need for the RDF protection.

• Of course never give your card into to anyone who calls you for payment. If you owe someone and want to pay by phone using your debit card YOU call them never the other way around.
• Never forget that the IRS nor Social Security will make payment demands by phone!
• Never pay for a rental car with your debit card as they do a full credit background search and hold the amount of the estimated future payment. Crooks assume when you rent a car that you are on vacation and will not be actively checking your account, giving them lots of time to clean out your account with the info you provided the rental company. Also the hold placed on your funds is often more than the final bill, leaving you short on cash.

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