Lantley
Ellicott City, Maryland
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Joined: 08/23/2005
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Once upon a time long before debit cards and routing numbers we our check in the mail. Now the post office is warning us not to mail check
Do Not put checks in the mails
Now we must pick our poison. Debit, routing numbers or credit card card. None of the methods are foolproof. We should not kid ourselves, there is inherent risk to ALL electronic transactions.
19'Duramax w/hips,12'Open Range,Titan Disc Brake
BD3,RV safepower,22" Blackstone
Ox Bedsaver,RV760 w/BC20,Glow Steps, Enduraplas25,Pedego
BakFlip,RVLock,5500 Onan LP,Prog.50A surge,Hughes autoformer
Porta Bote 8.0 Nissan,Sailun S637
Correct Trax,Splendide
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JimR 1
Custer South Dakota
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Joined: 08/29/2003
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I just heard this on Clark Howard where a caller had the same identical question.
Clarks answer was:
Do not give them your Debit Card or Bank Information. Open an online checking account and fund that for this situation.
JimR
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NamMedevac 70
Reno
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Joined: 11/09/2020
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As of yesterday I placed an order for T-Mobile home internet and the call center guy clearly stated I would receive the auto pay discount by using my CREDIT CARD for payments. However, I have had online salesman (call center operators) lie to me before such as AT&T, etc. They are all about the same to me.
I have debit cards to use only for my bank ATMs but not for anything else. If I do not receive the discount then it is only $5.00 and not a big rip off to me. Rolling, rolling, rolling.
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Dutch_12078
Winters south, summers north
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Joined: 10/07/2008
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The majority of debit cards these days are managed by MasterCard or VISA, and typically carry the same reimbursement rules for fraudulent charges as their credit cards.
Dutch
2001 GBM Landau 34' Class A
F53 chassis, Triton V10, TST TPMS
Bigfoot Automatic Leveling System
2011 Toyota RAV4 4WD/Remco pump
ReadyBrute Elite tow bar/Blue Ox baseplate
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ktmrfs
Portland, Oregon
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Joined: 06/22/2005
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Every single repeating bill I have is done via autopay with either my CC or in a few cases bank checking account. probably two dozen or more /month. Been doing that for almost 20 years. never have had any issues, Collect the points on my CC, points pay for my airplane tickets, pay balance very month as autopay from checking,
Unlike others I also DO have a debit card. Use it at the ATM to get cash when I want it.
2011 Keystone Outback 295RE
2004 14' bikehauler with full living quarters
2015.5 Denali 4x4 CC/SB Duramax/Allison
2004.5 Silverado 4x4 CC/SB Duramax/Allison passed on to our Son!
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pbeverly
South Carolina
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Joined: 09/04/2018
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ktmrfs wrote:Every single repeating bill I have is done via autopay with either my CC or in a few cases bank checking account. probably two dozen or more /month. Been doing that for almost 20 years. never have had any issues, Collect the points on my CC, points pay for my airplane tickets, pay balance very month as autopay from checking,
Unlike others I also DO have a debit card. Use it at the ATM to get cash when I want it.
Pretty much the same here. My card allows me to create virtual credit cards. For anything online/phone no one gets my real credit card number. For instance, I have a virtual card just for streaming services. If that number was to get hacked only those services are affected. I close the virtual, create a new one. Since it isn't the real credit card number the whole world is not affected if it gets hacked.
Ridgeway, SC
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jcpainter
Crossville, TN
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Joined: 09/06/2009
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pbeverly Which CC offers virtual cards?
Thank you
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ktmrfs
Portland, Oregon
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Joined: 06/22/2005
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jcpainter wrote:pbeverly Which CC offers virtual cards?
Thank you
for any online transaction my VISA, Discover allow me to create a virtual one time use card.
Paypal is basically the same process. With Paypal the amount you ok for a transaction can only be used once by the vendor. If for instance they do a partial shipment and back order, the partial amount will be paid by the initial transaction but Paypal will not allow a second transaction, even if the total amount from both transactions is the total first ok'd. So paypal is basically a "one and done" system.
I prefer paypal for online purchases, and only use a CC if I know the vendor and they don't take Paypal. (very seldom the case).
My Visa is set up so that on any online transaction I use it for after entering the card number and info I must enter the 3 digit code on the back in a seperate pop up window for the transaction to be allowed.
Automatic bill pay with VISA is set up seperately for each service and varies.
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pbeverly
South Carolina
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jcpainter wrote:pbeverly Which CC offers virtual cards?
Thank you
CitiBank. The expiration dates re 2 years out and at that point you can now extend the date out another 2 years.
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LouLawrence
Traveling the US fulltime since 2000.
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Joined: 03/16/2021
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I am a long term T-Mobile customer. I even just added their unlimited Home Internet option to my account and I have not gotten and notification of any changes to my billing requirements. It has been being charged to my CC for years and I am hopeful that will continue.
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